Help making chipsets

When I try to use the chipsets I made they seems to put together backwards. My top layer is in place of my bottom layer and vise versa. When I try to add grass to a map as a base it seems to be fogged over but when I put my top layer/event layer on they work just as a base. what gives? Also where are the cut off points for top and bottom. I am using Paint shop Pro 7 if that helps.