I found this free Windows utility that enables a FOREGROUND reference image -- as opposed to a background image.

It's not so much needed in MoI, but useful for apps that don't provide for reference images.

It pops up a form that you can load an image into. You can zoom it and place it anywhere you want over your app.

When you hit the "Overlay" button, the screen goes into a pass-though mode, so for example you can model as though the screen is not there. You see the image, but it doesn't affect your mouse actions.

It worked with all my graphics, modeling, and render programs - It is independent of the app.

Notes:

Make sure you hit the Overlay button on the utility, otherwise your mouse commands won't pass through to the app underneath.

Hit F1 to bring window back to focus so you can close it

Video:
http://www.digitalartistguild.com/misc/UtilityExplain/UtilityExplain.html

Download:
http://www.digitalartistguild.com/misc/DAG_ForegroundUtility.rar

Ed