How do you make div. layouts???? I have a site that i really need a new layout for...

http://www.lissaexplains.com/css3.shtml
http://www.lissaexplains.com/html7.shtml

That's it for the code, as for images there's really nothing different.

I am talking about like using paint shop pro 7

make an image (usually a background image).
position it into place using css coding.
make a div holding text or whatever.
position it into place using css coding.

you may have to research on z-index in css as well to "layer" things correctly.

the layout design itself... depends on what you want.