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This was correct for my situation. I had a AIR-AP2802I-B-K9 running 8.3.143.15 code that could not upgrade to 8.10.162.0 without upgrading to 8.5.x first.
I am saw this same issue while using PI 3.9 with Oracle patch. In order for the maps to display properly in planner mode, I had to save the JPG with a transparent background. I used an online JPG editor to make the background transparent.
