Have you changed to a different workspace? Have you chosen to reset your workspace?
(Do you know about Workspaces in the upper right corner of your FM window??)
Matt, Thanks for responding. I finally found the graphics toolbar. It was docked--and hidden--in the row at the top with all the other shortcut icons. It was so far on the right that it was out of sight. It was revealed only after I (accidentally) stretched the FrameMaker window way out to the right and into my second monitor. I apparently docked the toolbar there without realizing I'd done it.