Before I send a sample, after working more with this, I can describe more - perhaps it is based on some lack of experience and not worthy of taking a lot of your time. Here's what I've found... Let's say we want a background of a yard with a frame over it showing a rake laying on the ground and our goal is when it gets mouseover the rake will glow...
1) If I take an image and a frame above it with the rake in non-glow state - and I save that as a gif lets say. Then if I close everything and start working on that new gif (which converts into a png, but does NOT have a frame in it) and I add a new frame with a "glow" version of the second image placed exactly over the first non-glow version. I can now save this as html and the thing will work.
2) But if I try to do this without the extra step of saving the first image and frame (basically force-merging them into one gif) - no matter what sort of group/ungroup behavior I try with frames, if I attach a glow to the rake in one frame, it always carries over and make the other non-glow rake also glow. So any mouseover effect is ruined.
SO - having read all this, is it just a stupid beginner's mistake, you can explain or would you like to see a sample of what I mean. I have found a work-around, but would like to learn what process is the proper process to follow for this.