what about the preset avatars, like the picture options? those would have to be excluded from lobe's search. i think that's too much hassle.
speaking of citibank, i have them for banking and for credit cards. they suck as a bank, but i got a phone call from them the first time i bought anything from ebay because it was "unusual activity." then last month, my sister and her husband bought a condo and bought a *&^% load of stuff, both in furniture and in remodeling stuff, which required something like 7 trips to home depot of a few hundred dollars each. and another phone call from citibank to check up on us. i love them!
serious assholes at the bank, though.