If you have SSH/telnet access try doing a ls -alF in one of the user dirs. Files beginning with a . won't show up by deafault in most shells or in FTP. 10,000 is going to take you a while to do my hand :) Maybe you can see if GT will sell you a script to do this? It shouldn't be too difficult to write. You can always leave it as is and let the existing users change it themselves if they want. This should really be something you can set in the admin as well. Maybe Alex can add this to the todo list?

Regards,
Charlie