I've always been a fan of simple websites. Having said that, I like the top navigation of yours - it gives clear understanding of your website and provides easy navigation. I like that fact that you can reach any part of the website in 1 click.
I am not too crazy about the header graphic. I think it can be a little more modern and the logo can stand out a little more.
Thanks. I'm also looking at donating $1 of each new sign-up to charity. I'm working on a list of nonpartisan charities new clients can pick from. I want to do things different than others and give back.
I'm in Seattle this evening visiting a cousin. It's actually not raining here.