@ilugd: I'm sorry if this is harsh, but that design isn't going to work. Unless it has some major work done on it. Again, please don't take this the wrong way.
- Your left navigation bar is too plain.
- Top banner looks like it's done in MS Word
- enclosing the content with those two sidebars is just too cluttered. There needs to be some kind of flow in the text. Decide what your navitation is going to be like
- Try some rounded borders. Also give the entire page a background. Could be a tiled image, top to bottom gradient, or just a pastel colour
- The white text on dark red isn't pleasing to the eyes.
I don't suggest HTML editors cause you feel restricted in freedom of design. With photoshop you can do anything and then decide what you don't want/can't implement in the design.
Hey aren't you the same guy whom we all tried to guess what your userID meant? like "I Love You Gorepathi Dhukre"?