Layouts using this tutorial are very basic. This will change the background, the opaque to transparent and the font color.
The two values you need to change is the URL and COLOR. For color either use web-safe colors or the hexadecimal value for a color. After choosing and putting in the URL and COLOR choice, go here http://www.fubar.com/create_skin.php erase EVERYTHING that comes up when creating a skin and replace with this code.
To see an example of this code in action check this skin out... http://www.fubar.com/user.php?u=28863&preview_skin=455951
CODE:
body{background-image:url(URL)!important;background-attachment:fixed!important;background-repeat:repeat!important;} table,th,tr,td,p{background-color:transparent!important;background:transparent!important;color:COLOR!important;font-weight:bold;}