It would be great if we could make an image a click on "Hot Link"...

Chuck worked this out, you hit the URL button first, insert your "destination" link, then insert your image info.
Now you can click on the photo you see and it will link & go to another photo or web page.
Shown below is the code structure to make this work)
DD
[url=http://www.dutra.org/link distination.jpg][/url]

Start by hitting the URL button, back arrow over the last bracket and add in the = sign (shown in red) and your destination link info., forward arrow back over the bracket, hit the IMG button, add the image to click on, hit the IMG button to close, hit the URL button to close. Done

(Click on this image)