Thank you for your quick response Jeff,
As you can see from the screen shot below, the option of "Full HTML" text is not provided/listed. This occurs using different internet browsers.
The "Filtered HTML" option has been checked and un-checked, resulting in the same block formatting when sending a private message.
Thank you for your assistance!
ps- in responding to your response, the option of uploading a photo is not available (diff browsers). The only option provided is adding a "URL" location of a photo. The "Post A New Topic" allows you to upload several photos to a post, resulting in me creating a new post so you can see the screen shot.
Lots of hoops to jump through.