I have an issue that I can't figure out.

http://thenavidsonrecord.com/ne/index.php

On that page, I ended up having to give each of the images on the bottom their own div. I gave each div a different border. As you can see, the divs and images are sitting correctly.
NOW..
I then gave links a YELLOW border, which you can also see there.
Obviously they are not positioned correctly.
here is my source html and css

<div id="lowerNav">
        <?php readfile("lowerNav.html"); ?>
    </div>

<!-- lowerNav.html -->
<div id="cD">
    <a href="contact.php"><img class="lowerNav" src="images/contact.gif" alt="contact" /></a>
</div>
<div id="pD">
    <a href="pedigrees.php"><img class="lowerNav" src="images/pedigrees.gif" alt="pedigrees" /></a>
</div>
<div id="mD">
    <a href="members.php"><img class="lowerNav" src="images/members.gif" alt="members" /></a>
</div>

img.lowerNav {
    float:left;
    }
#cD {
    float:right;
    width:90px;
    border: 1px solid green;
    margin:0px;
    padding:0px;
    }
#mD {
    float:right;
    border: 1px solid red;
    width:90px;
    margin:0px;
    padding:0px;
    }
#pD {
    float:right;
    border: 1px solid blue;
    width:90px;
    margin:0px;
    padding:0px;
    }

Help me please I will be very grateful!

Put your bottom nav into an unordered list, then you can eliminate all the extraneous divs. You can put the image in the li and then add the link. Then style the UL, the LI and the <a>s.

Okay so I went to work on that, am running into more problems now. I have never run into a problem like this.

The red border is the ul
Blue borders are meant to be li's
and yellow are links

I can't see now why the images are not even inside the li's.

<ul class="lowerNav">
    <li>
        <a class="lowerNav" href="contact.php"><img src="images/contact.gif" alt="contact" /></a>
    </li>

    <li>
        <a class="lowerNav" href="pedigrees.php"><img src="images/pedigrees.gif" alt="pedigrees" /></a>
    </li>
    
    <li>
        <a class="lowerNav" href="members.php"><img src="images/members.gif" alt="members" /></a>
    </li>
</ul>

ul.lowerNav {
    float:right;
    width:698px;
    border: 2px solid red;
    padding:0;
    margin:0;
    list-style-type:none;
    }
li {
    display:inline;
    width:90px;
    height:auto;
    border: 1px solid blue;
    }
a.lowerNav {
    float:right;
    }
#lowerNav {
    width:698px;
    float:right;
    }

I'm not sure this will solve things, but a couple of things I notice is in the way you're using the class lowerNav. I think it only needs to be on the <ul> and not the <li>. If you need to refer to the list items and the link you can use

ul.lowerNav li {css here}
ul.lowerNav a {css here}

Your last style calls for an id of lowerNav, but you don't have an id="lowerNav" I assume you meant that to be a class.

Since I can't see the images I'm not really sure what the problem might be, but I have a hunch it might be because you're floating the links. That might be taking the links out of the normal document flow, but leaving the images in the document flow.

I do see the alt text inside the links.

You might try setting the float: right on the <li> instead of the <a>.

the lowerNav id is in a div that I didn't paste.
For some reason this thing just won't stick how I want it.
You can't see the images? "contact, members, our pedigrees"

Sorry I missed where you pointed to the page in your original post. I was looking at things after building a page with the code you pasted here on my local machine so I didn't have the images.

I do see them on your site.