Thank you Cheryl,
I published the site earlier today. Hooray! My very first effort. It needs a great deal of work, but it is a start. There's still a little bit of weirdness in the way a couple of things display in Firefox. I don't have access to a Mac, so I have no idea what Safari does.
I took your advice to look into includes (thank you very much!), read what both you and Tina had written about them, and even downloaded one of the add-ons you suggested elsewhere. That was just the ticket. I'm using includes for the navigation bars so that I can add or change elements over time, with the changes propagating through every page in the site. And if I need to adjust the display characteristics, that should be quite possible since the styles are in attached external style sheets.
I presume that it would be possible to use includes for all kinds of content which one might want to put in various parts of the site and be able to change or edit over time. Altogether a very powerful technique, and I'm at a loss to explain why we don't hear more about it.
I had mistakenly thought that I could at least use a dwt with only the header and footer of my pages and then adapt for whatever content I would need to place in between. But the dwt prevented me from adding any new styles. My cobbled-together solution was to build each of the five or six basic page layouts that I use and place copies of those in a page layout folder. Then, for each page, pull out the appropriate layout page, save as the appropriate file name, then add content and adjust syles as needed.
Not the most elegant approach. But I realized some while ago that this needs to become a database-driven dynamic site. Now that I've gotten my fingers dirty with html, CSS and a tiny bit of scripting, I feel ready to begin to learn how to do that. My wife bought be the new Head Start book on SQL for my birthday a couple weeks ago. Perhaps that's the place to begin.
Anyway, thanks for your suggestion to consider "includes". It was a big, big help.