Multiple Background-image help

Hey everybody. My problem is with div tags. I’m trying to create my first website outside of flash. When I try to overlay a banner as a background or background-image ontop of another background (in a seperate tag), it doesn’t work. You’ll see if you check the link. There’s really no other way I could explain besides telling the files:

CSS:
body {
background: #677f97 url(‘Images/page.jpg’) no-repeat fixed center;
}

#banner {
background-image: url(‘http://www.kirupa.com/forums/images/dog.gif’);
}

HTML:
<!DOCTYPE html PUBLIC “-//W3C//DTD XHTML 1.0 Transitional//EN” “http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd”>
<html xmlns=“http://www.w3.org/1999/xhtml”>
<head>
<link rel=“stylesheet” type=“text/css” href=“index.css” />
</head>
<body>
</body>
<div id=“banner”>
</div>
</html>

Oh yeah, one more question, is using absolute positioning a lot really ineffective? Because I was doing that originally (on the index page) but I’m giving it another shot (this is it). You can see the real files at http://www.freewebs.com/phi_studios/test.htm and http://www.freewebs.com/phi_studios/index.css