Dear NBT,
I just had a look on the source code of ur site.
And I think , What is happening is : You haven't used any Tables. You have just inserted the Top Image "banner.jpg" and drawn 2 layers.
One for the main body and one for menu.
Now the Layers are use Absolute Positioning by default. And they consider the Top Left corner of the page as the Origin.
When you upload your site to Tripod and view on their server, they include a banner of theirs at the Top, which shifts ur Top 'banner.jpg' image down.
Although the layers are still in the same position cos they still consider the same origin of top left corner and hence they are absolutely postioned. This causes the shifting down of the top banner to overlap with the layers.
You need to include some tables into this.