I'm working with transparencies for the first time in order to allow the site to scale with different resolutions. So yes, I'm a total n00b as far as this is concerned and I'm having a really hard time googling to find the answer on my own.

I know that once you set a div to be semi-transparent, it affects everything within the div. What I need is to have the background in the div semi-transparent (it's a color overlay over the base body background image), but to have the text within the div remain 100% opaque. Is this even possible? Is there a way to put another layer on top of the semi-transparent layer so that the text can stay opaque? Or am I really trying to do something that can only be accomplished through images or flash?

Thanks so so much for all help in advance.