Thank all of you for your help. I did solve my problem with help from users.
The pathway is **a *Format - Page - Area**- Then change the Fill Bar to 
Bitmap* - this opens a whole new panel of selections, which includes an 
*Import Graphic* bar. Clicking it allowed for navigation to the .jepg I 
needed for the watermark. I did not need to change the transparency, I 
just wanted the background image (it was a form with fill-in lines but 
was not a .pdf or word processor document.)
This pathway is not at all intuitive. Perhaps someone who knows how to 
modify the help files (mine are downloaded and installed) to reflect 
this pathway.
Better yet, why not have *WATERMARK* as one of the choices of the 
*Insert* drop down menu. I think that would make it intuitive.
Blessings, Joe Conner, Poulsbo, WA USA
On 08/09/2015 05:53 AM, elderdanlewis wrote:
    As I asked Joe, what type of watermark do you want? Do you know how to add a graphic to the 
gallery? ( Assuming your watermark is a graphic)
    You begin with Format > Page. Click the Area tab . Select type of watermark from the Fill drop 
down list. Select the Transparency tab. Set the amount of transparency. Close the dialog.
    The Fill drop down list is likely to be a problem because of the underlying choices that are 
possible.  Custom colors can be created and used. Gradients can be created and used. Hash patterns 
likewise. Graphics can be added to the gallery and then used. ( This is done differently from how 
it use to be done. )
Dan
-------- Original message --------
From: Tim Lloyd <tim.lloyd@gmx.com>
Date:08/09/2015  3:11 AM  (GMT-05:00)
To: users@global.libreoffice.org
Subject: Re: [libreoffice-users] Watermarks
I have to say I am beaten by this. I had a look at some old doco which
echoed what Joe said. Any takers?
On 09/08/15 05:31, Joe Conner wrote:
Using Ubuntu 15.04 64bit
Using Version: 4.4.5.2
I am trying to insert a watermark into a writer document.
The help files says:
1.
    Choose *Format - Page*.
2.
    On the *Background* tab page, select a background color or a
    background graphic.
However, there is NO background tab  on *Format - Page***. What
happened? To where
was it moved?
Now, how do you create a watermark?
Thank you. Joe Conner, Poulsbo, WA USA
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