Since you mentioned iStockphoto, it's good to know that the Content License Agreement [www.istockphoto.com/license.php] will allow you to use images for illustrative purposes on websites up to 800x600 pixels in size (that's the max image size, not the website resolution, so the page could be optimized for 1024x768 lets say). The standard license will allow you to create one-off, original designs that you can provide to your clients to use 'as-is' (within the design only) - the client has no rights to remove any images from the design to use for other purposes. If they want to, they can go to iStockphoto and buy a license themselves and they carry out any extra projects permitted under the license..

The one user / one computer means that only you hold the license, and can only create the projects that you are allowed to (using the image) from one workstation. You are not able to gift or assign the license rights to anyone.

To be able to include any licensed images in a template for resale, you will need to purchase what is called an 'Extended License'; These are options available to amend the license in a certain way [http://www.istockphoto.com/extended_...rovisions.php]. Once you've purchased an Extended License you can resell an unlimited amount of web templates using the image you've licensed. When they say template, they mean a pre-fabricated design that's sold more than once.

Additionally, the licenses are perpetual, and don't expire.

I hope that helped clarify some matters for you!