People posted, yes. They weren't things I could use for this purpose.
I may look into doing the XML and XSL route, I'll have to look up how to do it though. I have to be careful though, the computer she's going to be using to look at these isn't very good so I can't depend on it working correctly with much more than just HTML....
<?xml version="1.0" encoding="utf-8"?>
<?xml-stylesheet type="text/xsl" href="page.xsl"?>
<page>
<info>
<title>Page Title</title>
<keywords>some keywords</keywords>
<description>the description</description>
</info>
<content><!-- normal HTML for the page -->
<h1>Content Title</h1>
<p>Paragraph with text.</p>
</content>
</page><?xml version="1.0" encoding="utf-8"?>
<xsl:stylesheet xmlns:xsl="http://www.w3.org/1999/XSL/Transform"
version="1.0">
<xsl:output indent="yes" encoding="utf-8"
omit-xml-declaration="no"
doctype-public="-//W3C//DTD XHTML 1.0 Strict//EN"
doctype-system="http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd" />
<xsl:template match="page">
<html><xsl:text>
</xsl:text>
<head><xsl:text>
</xsl:text>
<title><xsl:value-of select="info/title"/></title><xsl:text>
</xsl:text>
<meta name="keywords" content="{info/keywords}" /><xsl:text>
</xsl:text>
<meta name="description" content="{info/description}" /><xsl:text>
</xsl:text>
</head><xsl:text>
</xsl:text>
<body><xsl:text>
</xsl:text>
<xsl:call-template name="header"/>
<xsl:call-template name="navigation"/>
<xsl:apply-templates select="content"/>
<xsl:call-template name="footer"/>
</body></html>
</xsl:template>
<xsl:template name="header">
<div id="header"><xsl:text>
</xsl:text>
<h1>The Header</h1><xsl:text>
</xsl:text>
</div><xsl:text>
</xsl:text>
</xsl:template>
<xsl:template name="navigation">
<div id="navigation"><xsl:text>
</xsl:text>
<ul><xsl:text>
</xsl:text>
<li><a href="#">Nav item 1</a></li><xsl:text>
</xsl:text>
</ul><xsl:text>
</xsl:text>
</div><xsl:text>
</xsl:text>
</xsl:template>
<xsl:template name="footer">
<div id="footer">
<p>The footer</p><xsl:text>
</xsl:text>
</div><xsl:text>
</xsl:text>
</xsl:template>
<xsl:template match="content">
<div id="content">
<xsl:apply-templates/>
</div>
</xsl:template>
<xsl:template match="content/*">
<xsl:copy-of select="."/>
</xsl:template>
</xsl:stylesheet><!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<title>Page Title</title>
<meta name="keywords" content="some keywords">
<meta name="description" content="the description">
</head>
<body>
<div id="header">
<h1>The Header</h1>
</div>
<div id="navigation">
<ul>
<li><a href="#">Nav item 1</a></li>
</ul>
</div>
<div id="content">
<h1>Content Title</h1>
<p>Paragraph with text.</p>
</div>
<div id="footer">
<p>The footer</p>
</div>
</body>
</html>