Drag & drop failing in Apple Mail v13.4

recently updated to mail 13.4. can no longer drag photos from my desktop into a compose window. is this a problem others are seeing or is there some configuration tweak i fumble-fingered?

thanks

Does Prefs > Composing > Message Format still say Rich Text?

yessir: just drag&drop fails. clicking “attach” allows me to insert the photos as per normal.