The first tip was to change this:
Code:
<div id="nav">
<ul>
<li><a href="SiteHeader.php">Home</a></li>
<li><a href="Bankruptcy.php">Bankruptcy</a></li>
<li><a href="Immigration.php">Immigration</a></li>
<li><a href="PersonalInjury.php">Personal Injury</a></li>
<li><a href="Aboutus.php">About us</a></li>
<li><a href="Contactus.php">Contact us</a></li>
</ul>
</div>
to this:
Code:
<ul id="nav">
<li><a href="SiteHeader.php">Home</a></li>
<li><a href="Bankruptcy.php">Bankruptcy</a></li>
<li><a href="Immigration.php">Immigration</a></li>
<li><a href="PersonalInjury.php">Personal Injury</a></li>
<li><a href="Aboutus.php">About us</a></li>
<li><a href="Contactus.php">Contact us</a></li>
</ul>
That's not vague at all, but quite specific. 
You don't need to remove that div, though. It's just a little more efficient to do that.
Make that change, if you wish, and then we'll go through step 2. 
Edit:
Actually, looking at your image again, I'd suggest you keep the div after all. That way it will be a little easiet to have the gray band across the page. So, set up your style like so:
Code:
#nav {
overflow:hidden;
padding:0;
background-image:url(images/Main%20Nav%20background.jpg);
}
#nav ul {
list-style: none;
margin-top:0px;
margin-left:0px;
padding-left:0px;
width:1027px;
height:59px;
margin: 0 auto;
}
#nav ul li {
text-align: center;
line-height:59px;
white-space:nowrap;
color:#003;
float: left;
}
#nav ul li a{
display: block;
font-family:Georgia, "Times New Roman", Times, serif;
font-size:18px;
font-weight:bold;
background-image:url(images/Main%20Nav%20background.jpg);
min-height:100%;
min-width:100%;
padding: 0px 28px;
border-right: 1px solid black;
}
#nav ul li a:link, #nav ul li a:visited {
color:#000033;
text-decoration: none;
font-family:Arial, Helvetica, sans-serif;
}
#nav ul li a:hover, #nav ul li a:active {
color: #1860a3;
text-decoration: none;
}
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