Images are not embedded in HTML documents. They are not a part of the document.
The image file resides outside of the document and the document just displays it.
A special tag is used to do this.
The %20 sign is used to display a space in a filename, remember that.
the "the%20image%20%file.jpg is the image file. The location of this needs to be disclosed. If you do not understand, put the image in the same folder as your HTML doc. and use the filename only in the image tag.
the border="0" is used to make a border around an image. This is usually kept at zero.
the width="200" is the width of the image in pixels. You must supply this info. You can get it by opening an image in Internet Explorer, right clicking it, and viewing the properties....in this example it would say "200 x 250 pixels" . The width is ALWAYS the first number. the second one is the height, which goes where the 250 is in the example shown here.
