I think I might like your main background image, if I could see a little more of it. You've got so many other graphics covering it up, it's really difficult to figure out what it is.
You've also got an incredible amount of stuff on your index page. I've got to be perfectly honest with you, though, and say maybe a little too much, and a little too close together. Try spreading things out a bit more and it will be much easier to read.
Your index page is over 200k (including all frames), which is very large for dialup visitors. I'd try to eliminate some of the those images and bring the size down under 80k. Getting rid of a few graphics will make your page load faster, and will also make it less busy, and again, easier to read the information you've got.
One more thing, which I believe is incredibly important. You've got a "Bobby Approved" image on your page. I think you may have misunderstood how Bobby works.
Since your page is in frames, Bobby has to be checked for each frame of each page of your site.
The actual result for a Bobby check on your index-left.html page is
here, and it doesn't meet Bobby AAA approval standards.
The result for your home-index.html is
here, and again, doesn't meet Bobby AAA standards.
Even when I checked your non-frames page, it didn't meet
Bobby standards.
But maybe I missed something.....?