OL98: Attachment Appears at Bottom of E-mail Message
The information in this article applies to:
When you insert an attachment into an e-mail message, Microsoft
Outlook may place the attachment in a separate pane at the bottom
of the message rather than inline at the insertion point.
This behavior is by design when you use either HTML or Plain Text
for your default e-mail format.
To place the attachment inline in the message, use either Microsoft
Outlook Rich Text (RTF) or Microsoft Word as your default e-mail