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Lisa,
Backup your current directory and database before doing anything else. That way you can restore your site if you encounter problems.
Xoops is a little different than those site builders you read about. It's not like changing a skin on winamp or the like.
If you're still having problems you might ask someone to setup XOOPS for you, and recommend modules to use.
don (el paso)
motto - green chili for everything!