Thank you Rich; there's a photo of my wife and me on page 30 of the "Favorite Photo" thread on our Lido Deck here.
And you are right: the photo has to be on some internet account. I looked at a lot of them and Webshots seems the easiest to manage--at least for me. It's free--there's no need for the Premium account, unless you have tons of pictures. You just upload from your computer.