This is a known Opera bug. Instead of picking up the file and filename of the photo you are trying to upload it finds an imaginary file called 'default.htm' and so will give you an error message that you must upload a jpg file. This has been reported to Opera and may be fixed in later upgrades. For the moment you should use either Internet Explorer, Firefox, Google Chrome or Safari to upload your photo.
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This is question number 2169, which appears in the following categories: