Hi Stower,

This might help although I've been out of the design/print business for a number of years.

Flattened formats: This usually refers to the image; depending on the photo editing software you are using, there should be a menu to 'flatten' the image. An image is 'flattened' after you've been working with layers, i.e placing text on to an image.

CMYK refers to the four colour printing process - Cyan, Magenta, Yellow and Black, the four colours used for full colour printing. (never knew why K is used!) Again, depending on your software, you should be able to save an image as CMYK. The default for colour images is usually RGB - Red, Green, Blue.

Hope this helps. I've not used Microsoft Publisher so I don't know what it's pre-press capabilities are. I'm messing around with The GIMP; similar to Photoshop, but it's free!

Good luck!
Jools :-)