The 16x20 prints I've ordered through iPhoto (formerly Ofoto and now KodakGallery) are glossy. If I want a matte or luster finish I use Adorama's print service or Mpix. Mpix offers a number of options for quality and B&W printing.
www.adorama.com
www.mpix.com
Cheers
PowerBook 1.25 15" Mac OS X (10.4.3) Mac user since 1985
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16x20 prints
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