so you want a default image that isn't in your photos????
here's what you need to do....
host the image you want to use somewhere online, like at photobucket.... right-click on that image, select properties, and write down the length and width... copy the url of that image and put it in this code:
<style>
.profileInfo td.text a img {visibility:hidden;}
.profileInfo td.text a {display:block;
width:100px; height:100px;
background-image:url(URL);}
</style>
then plug your measurements into that code....
paste that code in your <Style> section and save the changes....
**note: this changes your default pic on your PROFILE only... the default pic you actually have selected in your photos will be the one that appears on your friends' pages, in your bulletins, in the forums, and everywhere else...
You can now use the Replace Pic Generator to do this: