Thanks- that pretty much did the trick..that was too easy in fact and I spent alot of time trying to find the answer first 
I did have to take the image out of the footer <div> in my html as it was messing w/my links on the bottom, but other than that it worked like a charm-
My only issue now and one I can live with if I have too
is the image seemed to create a 100px or so gap/margin at the bottom of my page, it's like the one I showed in the pic in my OP but much bigger- I tried to upload a pic but didn't work. I did try to remedy this by taking my bottom margin on my wrap all the way to 0, but it only helped a little- here is my CSS code so far
(Im self-teaching myself, so please bear with me if something is obv F'd up
)
But any thoughts on how to correct the margin issue? Thanks again for the previous help-
HTML Code:
/************************ BODY-WRAP *******************/
body {
background: #454545;
margin: 0px auto 0px;
padding: 0px 0px 0px 0px;
font-family: Arial;
font-size: 14px;
line-height: 18px;
}
p {
padding: 3px 5px 0px 5px;
}
#wrap {
background: url(images/bg.gif);
background-repeat: repeat-y;
margin: 0px 0px 0px 0px;
padding: 45px 45px 0px 35px;
}
#header {
background: url(images/header.jpg) bottom;
background-repeat: no-repeat;
width: 920px;
height: 184px;
margin: 0px 0px 0px 0px;
}
/************************** NAVBAR **************************/
#nav {
background: url(images/nav.gif) top;
background-repeat: no-repeat;
width: 920px;
height: 60px;
margin: 0px auto;
list-style: none;
}
#nav li, a {
float: left;
font-size: 16px;
color: #ffffff;
text-decoration: none;
margin: 10px 0px 0px 15px;
}
#nav a:hover {
color: #800000;
}
/************************** CONTENT ************************/
#container {
background:#ffffff;
width: 900px;
margin: 20px 0px 0px 5px;
padding: 0px 0px 0px 0px;
border: #000000 solid 5px;
}
/************************* FOOTER ************************/
#footer {
background: url(images/footer.gif);
background-repeat: no-repeat;
width: 920px;
height: 60px;
margin: 20px 0px 0px 5px;
}
#footer li, a {
float: left;
font-size: 15px;
color: #ffffff;
text-decoration: none;
list-style: none;
margin: 10px 0px 0px 15px;
}
img {
position: relative;
bottom: 82px;
left: 813px;
}
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