You'll probably want to just <center> the background image. I can't remember how to make the picture drop to the background, but it can't be hard. HTML generally isn't, but it's quite limited when it comes to layout.
edit :
Oh right, it's as easy as this :
<BODY BACKGROUND="http://yourpic">
the <body> tag can contain more information as well such as font colours, styles and background colours.
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