1. A digital image acquisition system having no photographic film, comprising: (a) an apparatus for capturing digital images, (b) a flash unit for providing illumination during image capture, and (c) a segmentation tool for determining one or more regions that are indicative of a foreground region, or of a background region, or of a background region and a foreground region, within at least one portion of a captured image, (d) wherein said determining comprises comparing said captured image and a reference image of nominally the same scene, and (e) wherein one of said captured and reference images being taken with flash and the other being taken without flash.