Yes, this is answered in the "Graphics Showroom FAQs".
We generally use Adobe Photoshop (the best program), which costs mucho money. You can download it through your average p2p. The best way to make banners is just by messing around and developing your style, or using a tutorial.
kazaa or limewire... P2P sounds confusing to new people to the graphics part of things. Kazaa is getting pretty hard to get so get Limewire and www.limewire.com then just download adobe 7 or CS from there. Then like they said find tutorials and follow them step by step and you have your banner.