I've used 99designs. That was actually my main concern in using them. Elefant Trax record label had their elephant logo copied and used on a German site. I think 99 was the culprit in the end. So we paid for fewer more pro designers. They ended up copying off each other oddly enough.
Tim I think your pricing for os is about right for decent looking banners.
i have a 2 new clients, thus the question, they each have a designer and they are each REALLY good, nothing i see them i dislike, so i'm going to try to weed out their charges and i'll post if possible.
i think they charge a lot so it will be interesting, i'm not ripping off their fee schedule just wanting to know it.
both of those web clients have recently approached me to "take over the work/role" and i have refused and replied " the person you have is GREAT stick with them "
both clients have been happy with my reply. my motto is "if you can't do better then say you can't, you'll gain respect and gain more business in what you are good at"
tim