For me, one of the most frustrating aspects of web design is the actual design step. Coding a given design? Easy. Making that design standards compliant? No problem. Actually coming up with the design concept itself? Mind-numbingly difficult. I occasionally check the Color Schemer Galleries for decent schemes, and there are a number of nice ones there, but determining how to use each color is a task I struggle to succeed at.

Does anyone have any strategies they use? Any pointers to decent resources? I already know about the Color Harmonies site and the Visibone Webmaster's Color Lab. Can anyone do this, or must one be an 'artist' to excel?