I started with one of the included templates and made changes to the backgrounds on the banner and buttons. I decided to add one of my most recent photographs of the tree frog. This was a simple matter of cutting the included picture and inserting my photo. I added the shadow effect and engraving effect to the picture.
I used Coffee Cup to make changes to the text and add the required html code to enable the button links. I used Coffee Cup's Image Mapper to map the horizontal navigation bar and the vertical button to their respective links.
You can use a number of different HTML editors and achieve the same results. I use Coffee Cup as my HTML editor as it is easy to use, reasonably priced and features like the Image Mapper and the Style Sheet Maker come in handy.