After beating my head against the wall for the better part of the day yesterday, I decided to post a help request on the SmugMug - Dgrin forum. I posted the request just as I was heading off to bed and woke this morning to one reply. It was from Denise Goldberg and it explained all my errors and what I needed to do to correct the problem. So within a matter of 5 minutes I was able to correct the header you see at the top of the screen so it matches the rest of my website.
THANK YOU, THANK YOU, THANK YOU DENISE!