WooHoo!!!!!!!
I converted one 'easy' page to PHP using the example by SDE -
http://www.cheffrankonline.com/doit.php
I also found you can nest includes. This means my navigation bar becomes independent from the header/footer - meaning one less update if I ever add another option there. This is coding the way I like it - I was always a lazy programmer and if I could find a way to do something once, and pull it in when I need it, I would. Most of my code libraries were larger than the programs I was writing (at that time, COBOL and a propriatary language called "TAL", unique to Tandem Systems).
Thanks once again! I'll be back from time to time with questions that have me completely stumped, but are obvious to everyone else
Frank