Like most other ecommerce programs, the colors, font size, etc for the CubeCart is governed by the specific theme (aka template or skin) that you are using and is not available to be altered via the normal CubeCart interface. You would simply need to find a theme that you like for your cart and install that.
With the banner question, CubeCart requires their own banner to be visible unless you purchase the license to remove it. Then the program will allow you to change the banner area. There is no html code to change per se as the pages are built dynamically via php code and a database backend.
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