In case anyone else on here reads this with a similar “problem” …
I’d almost rather have you invest 2 hours and THEN read this solution because it’s very entertaining how stupidly-simple this was:
A reply was sent from Joel… his solution? …
“Check your user settings. Under your profile. Click your username in the top right, and check to see if the option to disable the HTML editor is checked.”
That’s precisely what it was. All set now.
Wow! I feel S.M.R.T.
I’ll be contacting him to get a “thank you” over to him.