Alright - this will be my last post till I hear back from someone... Gotta give you time to actually respond, huh?
I am using an image called mine.jpg as the desktop background, and an image called blue.jpg as the start menu background. I created a new image called tdywater.gif (it wanted one in the folder with the other images) and did not check "VGA compatible" on the last page - I was able to successfully create a theme - but when it is viewed on my Axim, the entire screen is blue. (tdywater.gif is an all blue image - "save as" from blue.jpg)
Perhaps I should have redone mine.jpg as tdywater.gif? But I want that to be a full color image, not a .gif file.
I'll go sit over here and wait on someone that knows what they are doing (unlike me) to tell me what I am doing wrong.