Thank you, so much. You are right!
I was just trying to be safe, not offend anyone. I don't see anything offensive about my picture, but people could, I guess. I mean, it IS a bare shoulder & a thoughtful pose.
I've amended my rating though, as someone commented to me EVEN TODAY 'why not have a gravatar, it gives us a peek of who you are'. So I changed it.
Thanks, Bryan, spot-on.