otay, here's what u need to do-

(this will work in netscape and explorer, yay!)
(and do not use the netscape layer tag, it wont work!)

u will have to type this up from scratch, and i assume u knwo enuff about style sheets to drop positions for things:

the first thing u will have to make on the page is the div tagset <div> </div> (i typed it there, but it might not show up!)

next, u need to drop in the layer for the stuff u want on top of the flash now u should have a div tagset inside of a div tagset! - take your flash embedding code, and place it after the second div tags, but still inside the first set:
ex: (note that i am leaving off the >'s so your browser wont hide this!)
<div -(thats div #1's opening tag!)
<div -(thats div #2's opening tag!)
</div -(thats div #2's closing tag!)
*embed & object tags and parameters for flash go here*
</div -(thats div #1's closing tag!)


now what u do from there is to drop your content for the layer that goes on top of the flash file, into the div#2 tagset - i suggest at this point also giving each on an id via css- perhpas div(1) id="flash" and div(2) id="toplayer"

all u need to do now is position them as you normally would position a div layer with css- and make sure that the one for flash has z index 1 and the one for the top layer has zindex2 - this will work in both netscape and explorer, but dont try and give either layer a background image or colour- that is guaranteed to crash your browser! (i dont think it can handle tiling over a flash file, or filling with color!)

hope dat helps ya! (note if u wanna be a real pro about it, you can also animate that top layer - i dont suggest moving the layer with flash, but its really safe to move the top layer via a dhtml timeline!)