Thank you for the help. The newer version of Final Cut Pro I use at school has menu commands for dealing with master templates. The Final Cut Express program I use at home (all I could afford), doesn't have any menu items for working with master templates. I have played with them a little and was wondering if I could just import the files and use them from the project part of the browser instead of the effects part where they are stored. My aunt and I work together and she got a bigger computer that can run the bigger programs. I can open the ones that came with the program in her computer and have shown her where they are and how to play with them.
My textbook, The Focal Easy Guide To Final Cut Pro 7, has a website where apple has templates stored. I think I'll just see if I can download a limited few and they'll work or not...