SWF as reference + same picture at background

Hi,
I would like to do SWF animation (SWFa) with reference (on click go to URL - better without JavaScript) + put the (PNG, JPG, GIF) picture that looks like first frame of SWFa on to background of SWFa (for case of missing flash player in web browser or missing the file with SWFa).

I try to put all dependencies of SWFa inside standard <a href=""> ..content.. </a>, but in this case there is no chance to click on activ area of reference. The reference isn't there. If I do the border for <a href=""> .. </a> by CSS, the border is just around the SWFa - correct behaviour.

Somebody have an idea how to solve these problems? I need the SWFa clickable (with reference in both cases - SWFa is shown or instead of SWFa is there PNG picture).