Header Image,
Background-image - Repeat X
And
Background-image - Repeat Y
Create a header div within the wrapper div. See the code. Create a header image similar to the header image below.
Click here for the header image
Use the header image for the header div's background.
Create a background image similar the body image below.
Use CSS to set the image as the background-image for your body. You will specify repeat-x to get it to tile horizontally (side to side). Make sure to match the body background-color to the bottom color of your image. In this case the bottom of the image is white and so is the body background color.
Also create another background image similar to the image linked below.
Click here for container image
The above container image is transparent. You can see the body background image though the container image.
Use CSS to set the image as the background-image for your container div. You will specify repeat-y to get it to tile vertically (up and down). Again, make sure to use a transparent canvas color and export your image as a gif (unless a png is required due to quality concerns).