WOW, I think I found my answer to the template issue.
Allow end user to pick from a line up of templates that are pre defined and allow them to edit in order to personalize them.
I will be working on this for the next little while and when I get it done, if anyone interested I will let you know.
Also found a way to load images for the end user to pick from list and insert into their cards, invites etc.
This will definately be a huge hit for end users using the Gift Registry and know absolutley nothing about HTML.
Now it will appear they know much more...
