I just realized that chrome and firefox browsers do not load a flash file until you mouseover the popup! What kind of stupid browsers are these anyway?
I'm confused here Arid. Where does it state that swf files are preloaded? There is an obvious difference between IE and Chrome/FF in that the mouse over effects work differently (in FF/Chrome the mouse over effects don't work at all in fact if you use "Replace with Flash"). I don't think it's anything to do with pre-loaders either.

I'd also caution regarding using Xara templates as your own work. I'd suggest you use terms like "Template based Web Design", then if a client happens across another similar web site to the one you've supplied based on the same template at least your in the clear ;-)