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Graphics had come back, because before your post I was messing with my DNS records and everything was sent to my IP address; the site past the front page was still hosed - couldn't login.
I just now got this working and understand more about DNS and forwarding and masking.
Problem was that I had set up a forwarding record at my hosting site (which has my domain and www site) instead of an A record. It had nothing to do with my XOOPS install.
I was thrown off because when trying out Mambo I had the same graphics problem, but fixed it by chmod 777 certain directories.