I think I have worked out how vtcl places one widget over on top of others.
It appears that at the time of widget creation any widget created after any other widget will be on top of those widgets. So, it is purely which widget is created after any other widget to be on top.
To move a widget above another widget, in the program, just move the lines that create the widget after the other widgets. It is a pain to get into the code when using vtcl because the purpose of vtcl is to be able to create the widgets and positions and other options without getting into the code. But, I guess it can't do everything.
I would still like to be able to make the background of a widget transparent. If there is anyone out there who knows how to do that, it would be great.