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I learned of it from ImagingInsider.com which reported on a posting in Good Tutorials. The posting originally appeared in Aviva Directory.
Here is a link to the picture above. I created it by searching for the keyword "smile." I was then able to look at a bunch of thumbnail pictures and then drag the image I wanted into the site. Then I created the text and the site gave me a link which could be pasted into Flickr. The site is called phreetings.com, a combination of "phrase" and "greetings."