When I use system admin->template manager, all the default
templates html files only have the "View" and "Download" options, and I don't see any "Submit" option to allow me to make changes.

What am I missing? I'd like to modify some of the template pages for the look and feel.

Thanks,
Ray

You can't modify or edit the default template, you need to clone the default template set first. Go to System Admin -> Templates and click on the "clone" link. You can call this clone anything you wish, or name it similar to the theme you are using. Then go to system admin/preferences/general settings and set your default "Template" to your named cloned template.

Then go back to system admin-->templates, your default clone will have a tick to the right of it.