Listen, I am deeply grateful for all the generous assistance you have all given me. Some of the post above, sound like some took it personal or something. It isn't anyone's hacks that are the problem - all suggestions are perfectly sound and, throughly supported by many authoritive sources. I am completely new at all of this. Only six months ago did I take up learning XHTML, CSS, PHP, etc., etc.. I try not to bother anyone here with stupid new person questions until I absolutely have no choice.
Now, what started me on this whole png transparency thing was when I installed the Image Headline plug-in from http://www.coldforged.org. An excellent plug-in, I'm sure. I wanted to use it to render my name in certain fonts that emulated the handwriting of famous artist - like Dali and Davinci.
I read something on this site http://koivi.com/ie-png-transparency/ , that believe explains why a php solution wouldn't work in my case. Php doesn't work because the plug-in is an external source that produces the image dynamically. The php works best with static image files. Its in his project notes at the very bottom of the page. Otherwise php would work perfectly and is the best solution choice for php tranparency in IE.
In close, please remember that I am a novice that is grateful and, unquestioning of the assistance you all have given me.