I found a place that sells some nice stock images that I might want to use for whatever purpose. Unfortunately a lot of them come as hi-res .jpgs (i.e. not layered) making it impossible to separate the image from the unwanted background (or I would have to manually cut the image from the background which in most cases would be very difficult and not yield a good result. Why not just have an option to buy the image (even at a reasonably higher price) as a layered .psd file, that way the customer (me) gets what he wants, is much happier and buys more images. It’s called win-win-win!

Let me repeat this: On an otherwise really nice image, sometimes the background makes it totally unusable. The name of said company is shutterstock.com (uh-uh, no free links!).