In a thread over at JimWorld's Get High (Traffic) forums [gethighforums.com] a user passed on a good tip for a problem I've wrestled with more than once. When a background image is defined for a top level table, Netscape begins to render that image all over again with each new cell of any nested table, instead of just letting the single image "show through" the way Explorer does.
The fix? Set background="null" in the nested table tag, and both browsers will let a single image show through the way you would expect.