Then my footer file has the ending body and html tags with my footer images.
Now my final page looks like this.
<!--webbot bot="Include" U-Include="header.htm" TAG="BODY" -->
Content goes here
<!--webbot bot="Include" U-Include="footer.htm" TAG="BODY" -->
Bottom line is that it worked when it was one file but the javascrip fails when it is broken out like I did.