Hi Andy
I don't know much about MS FP but this can easily be done in Dreamweaver by simply inserting a
layer positioned over the image and then just typing inside the layer.
Code:
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN"
"http://www.w3.org/TR/html4/loose.dtd">
<html>
<head>
<title>Text Over Image Example</title>
<meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1">
</head>
<body>
<div id="Layer1" style="position:absolute; left:26px; top:59px; width:267px; height:84px; z-index:1; font-weight: bold; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: x-large; font-style: italic; color: #FFFF00;">This is My Text Over the Image</div>
<img src="myImage.jpg" width="332" height="161">
</body>
</html>
of course, you would position the layer where appropriate for your needs, which can be done manually via code view or by dragging/nudging in design view [in Dreamweaver].
The layer itself is: [you'd substitute your own variables] :
<div id="Layer1" style="position:absolute; left:26px; top:59px; width:267px; height:84px; z-index:1; font-weight: bold; font-family: Verdana, Arial, Helvetica, sans-serif; font-size: x-large; font-style: italic; color: #FFFF00;">This is My Text Over the Image</div>
Like I said, I don't know if this will work correctly in FP and esp in that older ver, but I suppose it's worth a shot! Let us know if it works.
Try it on a hand-coded .html page right on your desktop. drag some image to your desktop, and use that as your "MyImage.jpg" 
Linear Mode
