To answer the first question: I'm a big fan of 
Microsoft's Image Composer, even over Photoshop 
(which everyone else seems to love). It has a lot 
of versatility, much less than Photoshop, but I 
think it's more valuable for being *MUCH* more 
user-friendly. It can do transparent writing and 
images. Every once in a while, I use Photoshop to 
do something difficult to do with Image Composer. 
But as soon as I'm done with that one thing, I 
put my work back in Image Composer to finish it.

As for my comment on the watermarks. . . I admit 
I keep a file of other people's cel scans on my 
computer. (For 100% NON-PUBLIC use only. ^_^;) 
Often, I'll even download new copies of scans I 
already have when the owner updates their 
watermark, just to keep the info connected to the 
scan up to date. That's why I made a watermark 
that included my URL, because I like it in other 
people's watermarks. ^_^

The bandwidth theft part of it never occured to 
me either. But then (with the exception of the 
front page) I generally completely change all URLs
and image names every time I change my page. . . 
So if someone were stealing my bandwidth, they 
probably wouldn't be doing it for long. (Or at 
least not easily. ^_^)

Many Sharp Smiles,
--Drac