Attached Link: http://www.pppr.sk/rainbow/

As others have indicated, it's easy to make a good thumb per Renderosity's requirements, which so far as I'm aware, aren't new at all. I've always posted thumbs at under 15kb, including at max allowed resoution of 200x200. I don't use "save for Web," although if I did there would be less guesswork. I start by saving the thumb at JPEG level 8 (talking about Photoshop, obviously,) and if that yields too large a file, try again at 7, etc. A HUGE help, however, is the use of JPEG Cleaner by Rainbow Software. It strips .jpegs of any data which isn't specifically image data. A thumbnail which P'shop saved at 20kb might be reduced to 14.5kb when cleaned. JPEG Cleaner is freeware. Find it at the attached link. As a matter of courtesy and efficiency, it's a good idea to clean your full size images posted here, too.