What Brendon said, and:
The top banner needs work. The money is blurry, fine, but the fact that it’s been skewed and is no longer rectangular is amateurish. Also, the text is pretty terrible. I was going to say the shadow was bad, but the 3d text effect is poorly exectued as well.
The ‘Contact Us’ page looks odd in Firefox (fonts, border). Perhaps because it’s in PHP for some reason.
There is no readily apparent way to navigate back to the ‘Welcome’ page after you go to another page. Most sites have it so that if you click the top banner you get back to the beginning. Oh, I just found it, tucked away there on the green nav bar. I was looking for a more prominent link.
The way the text is presented is a little overwhelming. There’s a lot of it. For some people this is not bad, but for others, this will be a turn off. You could break it up a little, with images or subheadings.
And about headings, well, your web designer should know that html heading tags are important, though it doesn’t appear that he used any. They help search engines read the site and make sense of it. They also help humans too, if the heading text is larger, different colour, font, etc.
Since you have so much text (which is not a bad thing), it may be useful to summarize each page in one prominently placed sentence. That way a viewer can quickly decide whether to start reading the page or not.
Some links are dead (FAQ, LINKS).