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That was a good answer so I am just going to add my 2 cents to maybe help clarify.
I would say a plopper is like a partially finished page (just plop in your pictures). An overlay is something that you put overtop of your layout to add "depth" - like sparles, or torn edges, or a large quote - it goes overtop of everything else on the layout.
Hope that helps.
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Melissa 
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Avatar "e" is Fall Alphabet by Christina James.
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