Have you upgraded to Office Service Pack 2? I don't recall whether background images were part of the original release... but they have been at least since SP1.
Once you use a background picture, and not a normal inline picture, that will keep that image from moving.
InfoPath does not allow 2D design -- i.e. you cannot just drag a field wherever you want. You will need to use a layout table to put the fields where they need to go.
--
Greg Collins [InfoPath MVP]
Visit
http://www.InfoPathDev.com
Your absolutely right about a background not a watermark. When i insert
picture from file(form we use) then try to drag any text boxes it is line
specific and not really draggable. and moves my picture as if it were text.
I followed the directions at
http://office.microsoft.com/en-us/assistance/hp011001431033.aspx but i have
no option for use a background picture.