We ran into this problem when we started with Marketo. We had no funds budgeted for paying someone to create custom templates so I bit the bullet and got myself up to speed. There are still some things I don't know how to do but I've been able to create my own templates, just basing them off of Email Template - Advanced (the most current iteration being 2.0). I found it had a large variety of available modules which I was then able to customize, sometimes substantially, to suit what our graphic designer wanted. Marketo has its own developers to create custom templates. I don't know how expensive it is to have that done. We're a non-profit and our department has a rather small budget. To address another issue brought up below, Marketo is clearly designed to be a marketing system, nothing more. Drupal, an actual CMS, has no ability to send emails. It is designed specifically to display and manage content. Marketo's function is to send emails and then examine the results six ways to Sunday. Having the ability to create landing pages with forms on them is a plus. Anyone who tries to use Marketo as a CMS will be deeply disappointed. That would be like using Dynamics CRM as a CMS just because you can create forms and landing pages.
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