Don't confuse a framework with a template. I would not consider YUI a template, and even basic CSS layouts (the common 2-column, 3-column, etc.) are not complet

Don't confuse a framework with a template. I would not consider YUI a template, and even basic CSS layouts (the common 2-column, 3-column, etc.) are not complete templates. Using a true template the design decisions (graphics, colors, etc) are made for you. I'd recommend determining what content you want on the site, find similar sites, and then that will provide a basis for design. Look at oswd.org and smashingmagazine.com as mentioned above. Do a google search for css templates, etc. Even consider templatemonster.com.