Issued ive seen is photoshop reports 14k or even 9k but i exit out and the actuall thumbnail filesize is 22k. Server of course picks up the 22k filesize and rejects it. On a 200x200 pixel thumbnail, that 22k is set for the lowest 1. Not sure why photoshop reports one size and file itself is another. Check out my latest thumbnail... i had to reduce it to gif at 32 color just to get it up.