Just to think about: I used to use a single loader (index.php) and then call the page based on the URL (index.php?page=page.php). But what had happened is that I started needing additional variables passed to the page and using includes you couldnt pass variabes thru the URL. For example: if I had: index.php?page=page.php And then later on in the page, I had: include ('page.php'); That would be fine, but I couldnt do this: include ('page.php?somethervar=foo'); This cuased major problems for me, and just recently decided to switch to having multuiple files with and include of the header and footer. I dont like (or rather didnt like) this style, but I have soared past my problems and am now much more productive. I agree that it is cleaner and seems more secure to use a single loader page, but I am making apps as opposed to simple web pages, and I constantly need to throw variables around. Hope this helps. I also agree with obsidian's post, it is totally a preference thing to do as well as based opn what you are trying to do (at one point I was happily using frames ;) - it was a simple app on a private network where security wasnt an issue). Take care....