I didn't realize it until recently myself. I was looking at making a digital photobook on Shutterfly or a similar site, which I'd done before, but I was never really excited about the lack of layout and background options. I noticed they had a member gallery where you could view other people's books. After looking at them, I realized that these other people were on to something - somehow they managed to make really awesome looking pages that looked like regular scrapbooks - they weren't using the few options given on the Shutterfly site. I didn't know how they did it so I started searching on the web. I found a really great site called digitalscrapbookplace.com, that has awesome tutorials. Basically, you use a graphics program to compose your pages on the computer, then you upload the entire page as one jpeg to the book you're creating on a photo printing site. Obviously its a little more complicated than that, but that's the gist of it. Right now, I'm trying to figure out which graphics program I want to use. So I'm totally a beginner myself! I'm sure some expert will come along to give you some additional info.