the napkin is folded on the plate (or you can put them in napkin rings). in this photo, the salad plate is placed on top of the dinner plate. the utensils to the right of the plate include a knife (blade facing the plate), spoon, and a larger soup spoon. the rule of thumb is that you use the utensils starting from the outside in. so, if you're not serving soup, you just leave that one out.
to the left of the plate are the forks, the smaller salad fork on the outside (to be used first) and the dinner fork on the inside. above the plate, to the right, you 