Audio - User Select On/Off

The problem that I am wrestling with is very basic. I want to build up text and graphic information on a page along with accompanying voiceover. It is the voiceover that causes a problem because the time it takes to download the file.As an aside, it is my understanding that an mp3 or wma is only downloaded when you action a play - perhaps I'm wrong? If I simply have an mp3 on the previous page with autoplay off, is it downloaded if it is not actioned?However, it seems I can have the voiceover in a swf file and that can be preloaded for HTML. Fine, but the preload also plays the file! so I get all my voiceover files playing at once on preload!So, any suggestions or hints as to how to present some info (text, graphics and voice), wait for user response via a continue button and then present more info, without long waits for audio file download, would be very much appreciated!Cheers, Colin