In the past, I have written e-books for clients who hired other people to actually turn the document into a book. Lately it seems more potential clients want me to deliver the full package. I tend to be pretty low-tech so don't know how to get started doing this.

What program(s) do I need? It is a relatively straightforward process or does it require some measure of graphics/layout/design talent?

I'm a complete novice in this area so would appreciate any advice.