I like decadence's idea of using tables. For me, they are much easier to handle.
I usually code out all my own stuff, and actually have dreamweaver MX, but I'm not too familiar with it yet.
One thing you could do is use a table and an inline frame. The thing I like about inline frames is that it doesn't take years for the new pages to load since the main page is already going to be loaded. (plus it also keeps the same overall 'theme' of the website so you don't have completely random backgrounds for every page.)
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