CSS is for setting up custom HTML tags and keeping all formatting in a seperate file. It is a great help without a doubt.
It can set up a navigation bar scheme, but if your visitors have an old browser (3.0 and below) then they will see the text with no formatting. Take a look at your site on others' computers to get an idea of how that would look.
CSS cannot include seperate files. For that, look into SSI if your server supports it. If you have a free host, then they might not support it. However, they might provide another way of including a file into another.
I will be glad to help you set up a CSS file, and get you into SSI if you need so.
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My entire website is based all on CSS manipulation. Some people may think that it is sort of rude to leave out the older browsers, but up to now I haven't heard any complaints, only compliments on my design. The contents of my site are contained completely in one HTML document, pages are controlled by a menu function I wrote that control the visibility elemnt of each layer (page in this case), plus I have written a page scroller that makes the site look like it is a frameset, but it is not, and they don't have to keep turning the dang scroll wheel on their mouse, they just simply hold the mouse over the scrolling arrows. To see what I have done with this, go to www.mac-syndicate.com and if you have any questions, just email me and I'll be glad to help.
Oh, and by the way CSS DOES support external files without SSI. To do that just include this in the head of the document:
The word on the street is that 3.0 browsers are not Y2K compliant. So, the worries that some of your visitors won't be seeing CSS is moot. And even if they can't see the CSS features, then they will see it as plain HTML, which still isn't bad. Sometimes, using CSS navigation is much better than using gif images as buttons. Just think how long it would take if Webmaster-Resources used gif's for nav buttons.
Its a very nice tutorial, also great if you just need reference.
As to navigation, SSI's a a great tool, except in some cases when the server administrator disbles SSI's. (I just came across that problem, and I had to use an alternative). SSI's are fairly easy to learn, you might want to try http://superior.carleton.ca/~dmcfet/html/ssi2.html