I'm still trying to figure out what's going on with the backgrounds - There's the white page bkgrd (960px x 800px) which starts at the red line (see below) then there's nav_border.png (19px x 729px) and finally IMG_3.jpg (815px x 616px). This is what I'm seeing (Firefox/Windows Vista):
http://i78.servimg.com/u/f78/14/58/51/55/family10.jpg
That leaves quite a bit of empty page to the left; is it supposed to look like that? Another thing with VSD, it makes copies of all your images every time you save, so if you're moving stuff around and copy/pasting along with saving frequently, you'll end up with a lot of 'junk files' that could give you some weird results when viewed live. So when you get the page just how you want it - go to the Files folder (where your VSD site is saved) and get rid of anything you don't need. Now when you add new pages, select the option to copy an existing page and choose index. All your basic elements will be duplicated and you can delete whatever you don't need on the new page.
Notice the title 'Family Matters' doesn't appear as it would on your computer. I don't think too many people will have "LoosieScript" installed on their machines. Using the Advanced Text option will turn it into an image so it will look the same for everyone.
One other idea - have a search for 'tabbed menus'. Make your menu then insert it with the HTML tool.
If you ever need to change or add anything you can easily update your menu file and re-insert it rather than having to re-work a bunch of mouse-over images in VSD.
I love your hand-print background!