Hi leahyrlw,
We're adding the "Description" and "Shipping & Payment" headers to all of our templates. If you would like to use a tempalte without these headers, you can create one via the following process:
1) Go to the Listing(tab) -> Manage(Custom Templates)
2) Create from Existing
3) Choose the template you want to modify.
4) Don't make any changes...just give it a name and save.
This template will now be available in your template library by selecting "Custom" from the category menu and will not contain the header images.
I hope this helps=)
-Mike