Changing a color
 

Not sure how to really explain this, but I want to remove the gray rings around home, shopping cart, and contact us. Here is my site which may better explain what I'm talking about: http://www.razercorals.com/xcart/home.php

I've messed around in the template files, but I can't seem to find which code needs to be edited. TIA!

That's because those are image files. View the source of the code (or look at customer/tab.tpl) and you will see which ones they are :)