Not to suggest that any of you are dummies *grin* but after the fight I had with formatting (and now success!  It has achieved Smashwords premium status!) I thought I’d like to help anyone else in the same position.  The page runs through the process as I did it so I’m not suggesting this is THE way to do it but it may be able to help you if you’re stuck.  
Also as mentioned on the page I have a ‘clean’ base document for people to start with which I’m very happy to e-mail out.  So if you’re in the midst of formatting and find yourself stuck, or you know someone who’s stuck let them know about my page.  It might help!