I have created a new theme in which all that one needs do is copy my styles php and my gradient1.jpg.
I started with the formal white and copied all the files to a folder called mytheme, then jut edited the stles.php for the effect I wanted. You can see it at http://lwbi.net/test .
Anyone wishing to use this theme here is the gradient I used. And I will add the styles.php in the next post.