I don't change any code to link either? should I?
My process is similar to tontoshorse's
Have two windows open one for here and one for flickr
Navigate to the required photo and click on the medium size image (500 width / height)
Copy the text in the smaller of the two code boxes
Click on the insert image icon above (yellow square mountain scene)
then on the flickr page click the 'back to flickr photo page'
copy the url in the address bar and navigate back to your post here (other window) your pic shold still be active in the post reply window, then click the insert link icon above (globe with a kink in it) paste the url fromflickr in it and press ok...job done