Towny Perm Help

I am currently making a bukkit server and I wish to add towny to it, however every single time I have tried to add towny I have gotten loads of problems (users not being able to build being one of them) so I am here to ask the experts if they can help me add permissions to towny. I am just starting to be able to wrap my head around the PermissionsBukkit.jar Plugin so please explain the easiest way to set this up.

All I want players to be able to do is the simple living inside the town (become citizens and what not) I want the founding of the town and managing it to be left with Staff

My permissions:

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groups:
Default:
permissions:
permissions.build: true
essentials.spawn: true
essentials.rules: true
essentials.motd: true
essentials.list: true
essentials.helpop: true
essentials.help: true
essentials.pay: true
essentials.sethome: true
essentials.signs.use.*: true
essentials.suicide: true
Staff:
permissions:
essentials.ban: true
essentials.ban.notify: true
essentials.banip: true
essentials.broadcast: true
essentials.clearinventory: true
essentials.delwarp: true
essentials.eco.loan: true
essentials.ext: true
essentials.getpos: true
essentials.helpop.recieve: true
essentials.home.others: true
essentials.invsee: true
essentials.jails: true
essentials.jump: true
essentials.kick: true
essentials.kick.notify: true
essentials.kill: true
essentials.mute: true
essentials.nick.others: true
essentials.realname: true
essentials.setwarp: true
essentials.signs.create.*: true
essentials.signs.break.*: true
essentials.spawner: true
essentials.thunder: true
essentials.time: true
essentials.time.set: true
essentials.protect.alerts: true
essentials.protect.admin: true
essentials.protect.ownerinfo: true
essentials.ptime: true
essentials.ptime.others: true
essentials.togglejail: true
essentials.top: true
essentials.tp: true
essentials.tphere: true
essentials.tppos: true
essentials.tptoggle: true
essentials.unban: true
essentials.unbanip: true
essentials.weather: true
essentials.whois: true
essentials.world: true
essentials.worlds.*: true
essentials.setspawn: true
essentials.backup: true
inheritance:
- Default

Owner:
permissions:
# Double negation
-essentials.backup: false
-essentials.essentials: false
-essentials.setspawn: false
-essentials.reloadall: false

inheritance:
- Staff
messages:
build: '&cYou do not have permission to build here.'
debug: false