Go to http://test.dwagn.org/wagn/multiple_default_types and click on "Add Khatru" and you'll see it's preset as a User card. But if you click on the menu, you see all of the options. The suggestion here is to only offer the two types specified by http://test.dwagn.org/wagn/User_or_Org%2B*right%2B*options - User or Organization.