It's not just me. The icon I need to insert photos does not appear. It did once, for the Header photo, then disappeared. Apparently, lots of other people are having the same problem. I went to Blogger Help>Help Forum, and there are many entries - from July up to this week - of others with the same problem, and not getting any assistance from Blogger to fix it. Frustrating, but at least it's not just my incompetence. Whew.