Rollover Image to Text with Transparent Background

[Fbwioorp]

I haven't worked much with Javascript, but I have a rough idea of how to make an image rollover to another image. I'm trying to make an image that, when moused over, will become a transparent background to a block of text that will occupy the space the image occupied. I've seen lots of tutorials but nothing matching quite that.Also: is there any way to format this text with css or otherwise? (Like adding padding, line breaks, etc.)Any help or links to a site where I can figure it out would be greatly appreciated! Thanks!