Upload & Sell: On
I believe you are both correct. If you are an upload member, you can use one of the stock frames in addition to your 640px image. If you are not, then the frame will actually be part of your image and will count against the 640px. Just a perk for the upload and sell members I guess
I would like to cast my vote for upping the pixel limit to 800 at least, preferably 1024 (width anyway). I had a decent shot for this months assignment, but when I smashed it to 640px, it really lost it's appeal.