The thing is a web site needs functionality too in many cases.Thatwould come in the form of php coding or vb script or pearl etc. Coders are like mechanics really compared to the 'web designers'who work on the cars body so to speak. One can have the greatest technical ability for coding but nofeel for the 'art' side of web design.The ultimate would be tohave both of these qualities.Then you can do it all yourself. As far as starting a web design company there is the 'sales'aspect too.It all adds up to a lot.