I finally figured it out!! (well...Kevin did help a LITTLE bit....)
We now have it set up to allow images for everyone and html for anyone who reaches 25 posts. That way, you have to at least earn the right to put up your referral banner. You might wonder why it would do any good to have up your referral banner if everyone is a member? Once the site goes public (later today most likely), it will start getting indexed by the search engines. So as we talk about offers, merchants, discounts, etc., people searching the web for those things will land here. If they happen to read your post and see your referral banner with your earnings, they might just click on it.
So post away until you get to 25 and then you will be able to include your referral banner in your sig if you like.
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