I've been using photobucket for years and didn't know they had a thumbnail option. Got to poking around in the settings and found it unchecked, checked it so it's in the option list now.
Now if I could just force it to go to D:\email images as the default upload source I'd be set.
thanks guys, finally figured out my account settings were off as well,also have to figure out how to make it so clicking the thumbnail produces a full size image.......Thanks again!!