I seem to be getting the hang of this. My next big project will be changing colors and images inside the styles.
If you go into your "User Control Panel", then "board preferences", then "My board style:" you can choose black pearl, rainbow pearl, PS3, prosilver, or the default, subsilver2. I prefer subsilver2 and that will be the template I'll be using when I change colors and such. That may or may not filter over to the other styles, but that all depends on how much work it turns out to be.