Hiya Bil
Its good that you can view the site in your chosen colour(s) or plain text (as the Disability Descrimination Act came into force last year). and glad to see that its W3C compatible for HTML and CSS.
I am viewing this site using Mozilla Firefox on 1280 x 1024 screen, and make these points.
The navigation buttons look out of place (like they are between the left band and the main content of the page. Also blue font on a green background won't be viewed by everyone, for example the colour-blind, and my prime example (my husband) is at the pub at the mo, but I can ask him when he gets back, if you would like me to.
The "select style" text just cuts off at the start, a bit of margin space or padding is needed.
You're using frames!?!! Arrrggghhhh!! Don't! they are an
SEO nightmare (take it from me). And, oh. I was going to say they'll index your menu and top banner, but you only seem to have one page in the frameset set as 100%. Er...., why? IMO get rid of it. It is pointless.
Your top banner has too much info on it. It is too fussy and (hate me for saying it) has too much crammed into it, the title the slogan and the photographs (all 4 of them). Sometimes less is more. I would be interested to hear what you consider your target market audience to be.
There is something different about everything on your site: the background, the font. Even the copyright notice. It may sound boring and I know you are trying to "wow" prospective customers, but simplicity is a better option to take, unless you want to scare off your potential customers. Have just one "Wow" detail on each page, two if you really can't avoid it. Footnotes for a start should be small and easy to read.
Also I have clicked submit on your form and it sent it (sorry about that). If you don't want your form abused, there is a natty little script about you can add to make sure your relevant form fields are filled in (PM me if you would like it). I've sworn by it for years. You might still get the old ace-hol who misuses it, but it filters out the cream of the c**p and at least you have some contact info, should it be a genuine customer enquiry.
Also use page titles. To leave them blank tells the customer nothing. If they bookmark your site, they might delete it without even looking at it when they cannot see what it is and what its about.
I know its harsh (but you did say be honest *grin*) but we've all gotta start somewhere and yours is a much better effort than my first attempt (yes I know mine needs a revamp, but I'm kinda busy at the mo).
If I can help anymore, either PM me or post on the thread.
Best regards