Thank-you so much, your procedure worked perfectly! I am now the proud owner of a lovely beach scene, rather than the ugly gray textured screen.
Some follow-up information for other non-techie users (like me) of this technique.
1. I couldn't find the appropriate folder that was mentioned (I believe that it is a hidden folder) until I used the "Go To Folder" option available in the Finder under the "Go" menu.
Finder/Go/Go to Folder/System/Library/Frameworks/AppKit.framework/Versions/C/Resources.
2. I'm not a graphics person so 72 pixels per inch doesn't help me out (I'm just saying, no offense intended in the least). To resize my image I used the program called RapidoResizer (free) available from: http://www.adnx.com/software/mac-platform.html. Once the program was open, I set the "preferences" for my image to match my LCD display ratio (1440X900) in the "Display" settings, located in the "System Preferences" folder. Of course, I also renamed the picture file to match the name that you gave in your instructions.
3. The replacement of the old file with my newly created file was seamless, again owing to your instructions about needing to "Authorize" the replacement.
P.S. When I replaced my gray screen, I also made visible (very transparently, in a grayish colour) an Apple logo, and the "sleep", "restart" and "log out" icons at the middle and bottom of my screen respectiviely.
Thanks again.