I'm pretty new to web design and layout but I started fooling around for a potential client and was wondering if I could get some criticism... My main concerns at this point are:

is the overall design too dull/normal?
are the colors to dull?
could bringing in another color somewhere to balance it out help?
any thoughts on font since I seem to be blind to what looks good font wise...

I have some practial coding issues I'm worrying about as well; however those can wait. Also the middle top will be where the company name/logo shall be incase anyone was wondering. Problem is they don't know their name or have a logo yet... besides my concerns, any advice/criticism is welcome! Without further adieu, my layout:



Thanks in advance,
ChaseNYC