Well if you want to go about this using CSS3 all you need to do is build the header with a white or transparent background.
Then for the content area apply the tan strips to it’s background (no-repeat x y).
Then for the image you can add a CSS3 Box-Shadow with RGBA coloring to get the right opacity (with a graphic fallback for IE6 and below).
That should get you started off on the right direction.
I don’t think you need to really LAYER anything. But if you still want to go with the layering I would use a combo of Position: Absolute; and Z-Index:; to get the job done.