A template is a pre-made design, sometimes sliced up and converted into HTML, images & assorted files, ready to use with minor changes to one's liking (e.g. change the logo).
A skin is a design that "dresses" a content management tool or a forum so that it looks different (and sometimes, performs different via the use of add-ons/plugins)
A script is a small or larger piece of software, either client-side (e.g. javascript) or server-side (e.g. a .php or .asp program) that processes data and otherwise interacts with the user to output a variety of non-static information.






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That could be a lengthly explanation, and I need to get to work (sorry). Your best bet is to google it. Most likely though, you got some psd files(?). You will especially want to search for "image slicing". Photoshop (the full versions, not elements) will allow you to slice your images into sections to use in the website, as well as hide/show specific layers to export only certain sections. Easier to learn and use would probably be paint shop pro, and definitely a lot cheaper. It has a much easier (relatively speaking) image slicer built in. The newer versions support psd files well, including layers. Keep in mind you will still need to edit the html files that are exported to suit your taste in an html editor.



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