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Read up on "Set Text of Layer" behavior
and "Disjointed Rollover" and come back with your questions.
You CAN place text over images providing the image is installed as a background
I think you want a tooltip. First let me say I much prefer to use CSS styled Text Links for navigation instead of Images. Text is readable by search engines, translators and screen readers. Images are not readable.
The simplest way to add a tooltip to an image or text link is with the title attribute.
<img src="some_image.jpg" alt="image description" title="learn more about our widgets" width="XX" height="XX">
<a href="some_link.html" title="click here to learn more about our widgets">Widgets Link</a>
If you want something fancier with fade-ins, images, etc.. use a Tooltip Script like the one at Walter Zorn's site.
Hope this helps,
Thank you both for those great suggestions – exactly what i needed, a direction not a solution. Very much appreciated, and will be back when I know what issue I am actually having! he he.