This is for Abby'smom, but I figured others might benefit from this info as well.
The VERY FIRST Thing I do, is go to this website:
http://www.zoicks.com/nestedtables.htm
(YOu don't have to use thier tiles, you can get them from anywhere, but I'll share that info in a bit. )
Okay now select 3 tiles that you like and look good together, then click Preview. Highlight and copy the code that is generated for the EBAY AUCTION.
NOw, your tiles won't show up right away, you need to save the tiles you like and then upload them to a photo hosting site, like photobucket.
I like to also use photobucket to 'tweek' the template. There is a place there called a practice board.
http://photobucket.com/practice.php Copy your code in there.
NOW, go to your photos and pic the first tile you want to use for the first layer. Copy the first line of info under the pic. then on the practice board, you will see this line :
<table width="100%" cellpadding=40 cellspacing=0 border=1 background="grounds/ltplaid.jpg">
<tr><td width="100%">
See that link between the 2 quotes? ( grounds/ltplaid.jpg) Delete that, and add your own link from pb BETWEEN the quotes.
Do the same thing where you see the same code 2 more times. Here I've put them in Bold print for you.
<table width="100%" cellpadding=40 cellspacing=0 border=1 background="
grounds/ltplaid.jpg">
<tr><td width="100%">
<p><center>
<table width="100%" cellpadding=40 cellspacing=0 border=1 background="
grounds/ltgray.gif">
<tr><td width="100%">
<p><center>
<table width="100%" cellpadding=20 cellspacing=0 border=1 background="
grounds/robinblue.jpg">
<tr><td width="100%">
Your Page Content Goes Here
</td></tr></table></center>
</td></tr></table></center>
</td></tr></table>
Now all you have to do is type in your info where it says "your page content goes here" You can use photobucket to add your pics, rather than pay for ebay's photo hosting.
You can also use this site to make custom buttons or banners ect:
http://www.grsites.com/textures/
Also, like I said, you can use any site for a background, do a google search for free backgrounds and see what comes up. YOu don't have to use the tiles given to you from Zoicks, that code will work with any background.
Here is an example of 1 of my templates.
http://cgi.ebay.com/ws/eBayISAPI.dll...MESE%3AIT&rd=1
I also have used Turbo Lister for a long time now, and I do like it for listing with ebay. Its easy and its free.
HTHs some!!