Still not good.
Capture 2 is using the theme I created
Capture 3 is using the image from the Axim (My Pictures - set as background)
I could tinker with the image to make it fit like I want, slide it down a little, but the problem with that method is that it reverts the start menu to using the same image, and white text in the start menu can't be read over the white background of this image.
I guess as a last ditch effort, I could redo the image with something other than white as the top 2/3 of the image, but I would like to know what the heck I am doing wrong anyway.