The reason HQ98.com uses templates is simple - cost.  Templates are premade Web pages. A template includes a complete layout with generic graphics and text.  This is ideal for designers who want to provide quality work at a lower cost. You get the benefits of a professionals design at a fraction of the price. 
Creating an effective Web design can be challenging and very time consuming. You could decide to pay an overpriced Web design firms to create your site, but this isn't an option for everyone.

A simple way to get a professional site at a low cost !
The company we use is the premier provider of ready-to-use templates, offering a huge selection.  4Templates.com offers high quality royalty-free Web site templates from as low as $19.99.  These templates are easy to edit with Microsoft Web Expressions software.  We offer basic training in the use of this program for our clients that want to maintain their own sites once we have completed the design.