Just don't call it a penalty and make sure you spell check because you will automatically come back if your site is a little better ;). How many believe that lie now?
Looks like those that suggested having dozens if not more sites were right. I have about 3-4 commercial (one adsense block) that I casually and very easily put them online. Now those no-pandalized sites are paying about half of my bills right now.
One more is almost done with a killa name and life goes on.