Some companys can dig deep in you pockets with cheep or free products.
Adobi who recently aquired Macromedia will give away awesome flash templets you can't build on without $699 MM8 soft ware. You can always invest in your business after it starts making you money. I would suggest you use the bv templets or make your own. If you find these hard to use
remember the Too Hip Wazoo Programs are that much harder.