i guess i didn't explain, or ask, my last question properly, but you can see things in the following picture.
when i was attaching the above photo, it appears that i am being asked a question in the insert dialog. you can see it in the photo in this thread. circled. it APPEARS to be asking if the photo should be inserted as a full image or thumb nail.
my question ... was related to this. specifically, is selecting one option better than the other, as far as bandwidth. thumbnail? or full image? i guess it also has some potential disk space ramifications as well.
If thumbnail is selected does it make the image file smaller automatically?
picture of choice below: