Thanks Ingrid. I use Shutterfly to host my pictures and everyone I know has been linking their pictures to them for years. In fact, people told me to use them because they allowed linking. So I decided to find and read their disclaimer after I read your post and was embarrassed to find that they do not allow linking images!
I guess I won't be doing that anymore.
Thank you Koolbreeze. I have tried doing that with the Img button, but it doesn't work. I suppose that's for the best because I just discovered that I wasn't supposed to be doing that. Oops!