Godfrey, it is so odd - I do not have that paperclip icon anywhere anymore on laptop, iPhone, or iPad, except in the private conversations dialog. Instead, I have three buttons: "Smilies", "Settings", and "Poll". Maybe it is an administrator-set permission checkbox somewhere..
That is weird, I have not noticed that before -- perhaps you are right it is a levels thing. I am going to move you to level 3, Susan, in just a moment -- so see if that fixes it.
You're now level three -- do you have the paperclip icon now? (spelled out as "Attachments" on the desktop)?