Something

<html>
<head>
<body>

    <table valign="top" align="center" border="1" height="250px">

     <tr>
      <td colspan="2">
       THIS IS WHERE THE HEADER GRAPHIC GOES
      </td>
     </tr>


     <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 width="870px">
       Content goes here... and will expand taller as needed.
      </td>
     </tr>


     <tr>
      <td colspan="2">
       THIS IS WHERE THE HEADER GRAPHIC GOES
      </td>
     </tr>

    </table>

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