As an administrator, I can upload an attachment to a thread posting, however a standard user cannot.  They can attach a file that was previously uploaded, but not upload a file themselves. 

I'll try that, but is there a default path fro attachments from inside the forum?  I'm using 3.20.09 and I can allow attachments, but not say where they are saved.

In the guide HERE, there is a way to set the default location of files. Why is it not in ver 3.20!