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Why do profile pictures overlap banner images in most websites?
Because the banner is a large "background" filler decoration. The profile picture is a more focused and less abstract representation of the user, and is used on multiple pages to represent the user, not just the profile itself.
Why does the email subject appear before the body when composing an email?
It might be worthy to note that he says in his question: "Note I am not talking about reading experience, I am focusing on COMPOSE experience of email."