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This is tricky, perhaps because it's a flagrant abuse of HTML styles (and taste in general.) Here's a few ways to do it:

this way makes a black "cell" at the top and a brown one under. the code can be copied multiple times to make more segments:

black cell text goes here
</td></tr></table></td></tr>
<tr bgcolor=brown><td colspan=2><table border=0 cellspacing=1 cellpadding=2><tr><td>brown cell text goes here

Here's another way (copied from azragx's blog.) I don't know why this works, which makes me not like it, but it seems to work:
put
<tr bgcolor=blue><td colspan=2>
at the top of your post.

Also, for inline text (chat entries) try:
<font style='background-color: blue'>blue-background text</font>