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The best payment set up is really going to be decided on what your client is doing, is the main priority cheap fee's, or is there specific types of payment that they need to cater for, there are no easy ways of answering that, it will have to be researched either by you for your client, or by your client. Have a look at PCI compliance but keep in mind that depending on how you take payment over the site, it may not be applicable, but its best to thoroughly research it at the outset. There is no easy way of explaining what a gateway and merchant account is to a non web developer, keep it simple and point them in the direction of some of the providers of gateways and merchant accounts, aswell as talking to web developers all day their customer services also deal with people who are taking the plunge and trying to set up stores on their own with limited tech knowledge, so they are use to putting things in basic terms. Put simply, if you explain that they need a payment gateway to take payments from their website. then they need a merchant account to receive the money they are taking from their site. and as with any financial product this must be set up by the person who is going to be using it.

Just been dealing with this myself recently, to take onsite payments you will need all the things you mention, but I would consider long and hard about advising your client to take "onsite" payment as they will fall well and truly into PCI compliance territory, which can be very expensive and time consuming experiance. "offsite" payment does absolve your client of some of the responsibility under the PCI regulations. As for your client having to take out these accounts, yes they will, ifthey are the ones being paid via the site they will have to set up the accounts for the gateway, merchant account in their or their business's name.

I currently use secure trading for my clients, their terms are £100 setup 2.5% for credit cards and a flat 35p per transaction for debit cards, they dont have a monthly fee as long as your fees are above £16 per month, they have pretty good customer service too. PM me if you want some more info.

Its the only way Acej, feel the burn, no pain, no cream cake!

I stay svelte and fit by jogging to the fridge between cakes.

I prefer the second mockup, but think it would look good with the first mockups navigation. no offense but personally I am not keen on the starboard logo, think it would look better with a nice font in a solid colour and a seperate logo next to it. Just my 10 pence.

They were robbed, I only charge 1.8 million per site.

The scheme chooser i posted is aimed at web designers, and it also gives Hex and RGB for the schemes. it also has far more features. but thanks for the link some may find it useful.

Dont know if many of you have come across this already, but though I would share anyway. Its a colour scheme generator with a few useful bits and bobs bolted on, you can have a look at a mock page with your chosen scheme on, change hue and brightness, saturation etc, then get all the hex values, it has an export feature for grabbing your chosen scheme, it even has a simulator for how the scheme looks to people with varying sight problems. Its pretty good does have a few flaws but generally quite useful. Have a look and see what you think. Linky link

Nope, just cant get into motor sport in general, I think the subtlety and strategy goes straight over my head, I have tried to watch it but soon become bored. my sport of choice is boxing and have been watching a lot of MMA recently to tide me over between fights.

There is some sound advice there, one thing I would like to add, dont get too caught up in the frame of mind that "This design program will make me a great designer" software is a tool and like all tools it's only ever as good as the person wielding it. I have seen some spectacular sites created with free software, that has relied on knowledge and consideration, as Eris stated above a good design is the sum of its parts, its the research, the typography, the code under the hood as well as what is produced in your chosen graphics package. please dont get caught up in the "Photoshop IS Design" cult.

Yer your favicon is working dude, it might not be on your local machine as you need to clear your cache etc they can be a bit stubborn showing up in certain browsers with out a decent clear out. As for your sidebar prob, sorry I cant help not familiar with blogger. but I do have a blogger template book (115 pages) on as a PDF if you want a copy PM me and i'll send it over.

Oh.... embarrassed now lol

Not gone 10 days across America, but it did take me 10 days to get across London once Enjoy your trip mate, very jealous.

You could also try Scrumpy macs they do recon Macs you do have to check regular, they have a lot of the older g5 powermacs but I would stay away and hold out for a decent mac book or imac.