Ed
The options of inserting/linking apply to documents saved in the traditional Word formats (doc, docx etc).

HTML is a completely different beast and if a html document contains graphics, those are ALWAYS stored as links. It is not possible to embed jpgs, tifs, pngs in the html file itself. Usually, if people create html pages they need to upload the html AND associated graphics, css etc with the same relative paths. This means you also need to upload the folder and its contents to the same location.

By the way, Word is a very poor tool to create html documents since it creates massive amounts of background code which makes files very complicated.

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Andrew Lockton
Chrysalis Design, Melbourne Australia