I did exactly as "hamishmacd" suggested to produce:

www.bostoninternet.co.uk/xara4/test3.html

which embeds a flash form into one of the X4 web templates. I could have made it fit nicely but just wanted to see how easy it was. Once you've got the right co-ordinates of the <div> for the Flash, it's very easy and if Xara can simplify this process for non-coders, the possibilities really open up. As well as inserting some X4 Flash objects, it opens up the possibility to insert third party Flash objects from people like CoffeeCup.. forms, streaming video, streamed audio, etc. Their add-on applications are really easy to use as they generate the Flash code to copy and paste.