Well, it needs a lot of work to hack out the deadwood; using a stylesheet instead of lots of inlined styles and getting rid of those <font> tags would make things easier to look through (it's not a good start to the 21st Century to see "</font></font></font></font>"). Part of the problem might be claiming that it's HTML 4.0 Transitional when it isn't (http://validator.w3.org/ flags 179 errors). You've got a typo near the top ("<DIVstyle" instead of "<div style"). Specifying a table width (680px) in an inline style and a different width (256) in an attribute is not going to be healthy (e.g., table id=table16). Ditto for table rows ('<TR style="HEIGHT: 12.75pt" height=17>'). There is no such HTML attribute as "x:str".
After much waving of machetes and a few bursts of napalm, I find <div> tags that have among their styling the declaration "HEIGHT: 125px". So - as per standards - the second block appears 125 pixels below the first, the third appears 125 pixels below the second, and so on down the page. If their contents overflow, they overlap.
Taking those style rules out prevents the overlapping, but the thing is such a horrible mess that you should look at it as your first draft, and start again with a blank page.
Oh, one other item I noticed which might explain much about the quality:
<META content="Microsoft FrontPage 5.0" name=GENERATOR>
