Thank you both very much for your replies.
Gumbeaux's reply quickly explained everything. I'm sad to say that as I type all I can see is a "box" with "Title" above the message window and 8 icon choices below - between the message window and the "Submit" and "Preview" buttons. Wish I could show it to you.
I do not anywhere see options allowing me to "upgrade". Have even checked my "User CP".
Do I have an older version?
Do I not submit sufficient number of posts?
Ah, well! Thank you again for taking the time to explain and trying to help me.
We give dogs time we can spare, space we can spare and love we can spare. And in return, dogs give us their all. It's the best deal man has ever made.