If your account level is Power or Professional and you're logged in, go to your Control Panel and look under the Customize tab. Click the customize link to blank boxes just waiting to be filled!
If you know HTML, you're probably already designing a page like this in your head. Or a banner like this one:
If you don't, your face probably just went ashen. No worries, we'll make this simple.
Ignore everything on the page except the header section (not the head tag section). You might want to open a second browser window or tab so you can read this help section in one and experiment with your customizing page in the other.
If you type anything — even just a space — in the header box, SmugMug's header will go away after you scroll down and click the update button. If you make sure there are no characters (including spaces) in the box and click update again, SmugMug's header will return.
So copy and paste this HTML into your header box:
<h2>My amazing photos</h2>
If you copied it without missing brackets or the / character, your home page will now have a header and you can claim to know how to write HTML (at least a little). If you use h1, the title will be bigger. If you use h3, smaller.
Now let's center it. Try this HTML:
<div align="center">
<h2>My amazing photos</h2>
</div>
But... I want a stylin' graphical bannner!
Check out Ivar's great tutorial for a step-by-step.