preferably a free website builder but if i have to pay then what is the cheapest? or, could i do it with piczo?
it is going to be a massively multiplayer online role-playing game (MMORPG) type of game.
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you need a flash games developer
There is absolutely no way you will be able to do this with a free website developer. You will need tons of server space and bandwidth for something like this, and you will need programming skills not just html and css that are the basis for website builders.