Hi BigFtChuck,
   First thing is that I suggest that don't get crazy bout Netscape, yes
its speed is good but it would never assume things like IE does. So
write different style sheets for both the browsers the script for IE
will work on any other browser and the style sheet for Netscape will
work fine in Netscape
   BODY
{
    BACKGROUND-IMAGE: fixed;
    BACKGROUND-IMAGE: url("images/Nav/watermark.jpg");
   // BACKGROUND-POSITION: right top;
   // BACKGROUND-REPEAT: no-repeat
}