i agree with snakes rules except on the "no hardcore on banners"
if the banner shows hardcor on a non hardcore gallerie it just means "the hard stuff is there" and would make the surfer click...
i remember 5 years ago as i surfed the porn sites most hardcore stuff was hidden by "click here" or "more inside" tags...even in the sponsors tours...only banners were hardcore and i think the clik ratio was great..
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