We do not use any banner with a web address in unless there's a specific reason why i want it on the site - which is hardly ever.
I think one of the reasons people do this is because they realise clicking banners = money earned by someone. How long do you need to be using the internet to see 'please help support this site by clicking on the banners'?
Another might be that a user doesn't want to lose their page, so they manually open a new window to type in the address - leaving the page they were on as is.
Probably lots of other reasons, but the important thing is that the network are probably right - you only have to search for related threads here to know it's not looked at nicely.
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