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Hi and welcome
I suggest you grab a drink and a bit of time and browse your way through the 'Help docs thread'. This is a temprorary location of siting of docs till we get them back up and running...you will see why in the thread. Look for 'visual introduction to xoops' as a starting point. XOOPS uses themes so all you need to do is hunt for a theme you like...then you can make some simple modiifications. My site
jensclassroomhas a theme built by bassman - all I did was make a nice top logo image and put in in place of the one that came with the file.
I also suggest you become familiar with FAQ - but some of the docs refered to are in the find help docs here thread because of broken links.
The other fun thing you can do is 'play' with XOOPS by going to
Bluenovas playgroundI have seen the anagram SMF before but have no ideas what it stands for so i can't be specific with how XOOPS can fit this criteria.
Hope this helps with your exploration and decision making!
BTW - I am no programmer or web designer and i am pretty happy with what XOOPS gave me!