It's actually not a CD insert. It's a kind of mini catalogue of church artworks.

I've done the same catalogue before (last year, using an older version of both Xara and Acrobat Reader, and a different church), without this problem occurring. In fact, the files I'm using now are copies of the one I had been using last year, with the old images deleted and old text replaced, and page count reduced/increased as required for this catalogue -- but still using the same layers as before.

If this problem did not occur last year, why should it occur now? Two things have changed: (1) new version of Xara and (2) new version of Reader.

Looking at it logically, Acro Reader will obviously not display what it is not given, which leaves only Xara as the culprit.

I still say, therefore, that it is a bug introduced in this (or a recent) version of Xara.