You can use the Calibre to do it.. more specifically, there is a script that is included called lit2oeb. I am not at my computer, but I think there is a lit2html script floating around that I used before I tried Calibre.
Basically either script produces a directory that has a number of files in it it including table of contents, images, and the main body of the book and supplemental information. I have a default style sheet that works well... and I can even include the cover in the first page of the PDF.
Not a bad way to read over all.
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Bill