if you have photoshop there is a tool that is called "crop" you'll also see a two fields taht you need to enter when using the crop tool, the width and the height. that's where you put your 320 and 240. the crop tool is like rectangular selection tool but it select the image in the height and width specified by you. after this you have the file in specific height and width. next you'd take that pic and save it in the proper file size. if your pic after cropping is too big, go to your first menu that has the save button but instead of that click the "save for web" button. this will drastically decrease teh file size but still retain the quality of the picture. this is something for your DV lottery thing so make sure you use thier photo validator thing and you should be good at this point. hope this helps.