$nmcol[0]=array('-1'=>'-------','-------','-------','-------','-------');
$nmcol[1]=array('-1'=>'-------','-------','-------','-------','-------');
$nmcol[2]=array('-1'=>'-------','-------','-------','-------','-------'); Yeesh, okay. These edit the username colors. [0] edits the male colors, [1] edits the female colors, and [2] edits the n/a colors. They appear in order of power: banned, normal, local mod, full mod, and admin. So what I mean is..
$nmcol[0]=array('-1'=>'banned male','normal male','localmod male','fullmod male','admin male');
By replacing those with whatever colors you want to use, you'll edit the username colors. Get it? If not, check out the image, that should probably clarify things.
If you don't include this in the scheme, the default username colors will be used, so don't worry about it.