Something

<html>
<head>
<body>

<div align="center">

<!-- This is the HEADER -->
<table border="0" width="950px" height="110px" cellspacing="0" cellpadding="0">
 <tr> 
  <td>
   THIS IS WHERE THE HEADER GRAPHIC GOES
  </td>
 </tr>
</table>


<!-- NAV AND CONTENT TABLE -->

    <table valign="top" align="left" border="1" width="950px" height="250px">
     <tr>
      <td width="80px">
       NAV goes here and will expand taller as needed, content will usually dictate how tall this column is though.
      </td>

      <td >
       Content goes here... and will expand taller as needed.
      </td>
     </tr>
    </table>



<!-- FOOTER -->

      <table valign="middle"  border="1" width="950px" height="90px">
       <tr>
        <td valign="right">
         Footer
        </td>
       </tr>
      </table>

</div>

</head>
</body>
</html>