Finally got Firebug installed and started working the "z-index" settings.
Suggestion, from online sources, was to separate values by at least "10", so did that. Nothing changes. Noticed my CSS for the active template has many negative numbers, and thinking maybe that is source of the problem? Does MSIE handle the negative or does it change them to absolutes?
Anyway the changes are not having any effect, but did have a couple changes that I had to go back to and clear.
Where I think the problem is, is in the two blocks of:
margin: 0 auto;
background-position: bottom center;
Where "body" contains the background image and the other contains the text that is showing in FF and not in MSIE.
Let me know what you think!