I haven't used library or templates either except on a few very simple sites I set up for, uh... and once for this class in Web Development using Dreamweaver I had to take... figured I'd put it to use somewhere. This seemed like a good place.

Orion is right though, server side options are usually a good way to go, unless you are developing a pure HTML site or are on a restricted server. Templates can be handy if you need to deploy a simple site quickly, but I would go to server-side programming if there is anything more advanced in use.

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The best way to learn anything, is to question everything.