I'm a web developer. When I start designing a site, I use a framework to handle templating for me, even if it's just rack + erubis.

What do non-developers do? If you want to implement a site in HTML and CSS without a framework running on a webserver, without frames, and without WYSYWIG tools like Dreamweaver... how do you avoid copy-and-pasting the HTML of your navigation (for example) on every single page you're writing?

I feel stupid asking this because it seems like their must be an obvious answer, but for the life of me, I can't think of one right now.