Bobby - try this link for an over the top cure, it has transformed my downswing, I used to have a terrible over the top problem which has now been completely cured.
The secret is to make a full shoulder turn then keeping the shoulders turned at the top let the arms 'drop down' - this starts the club back to the ball in perfect plane 'on the inside' - if you turn your shoulders back even slightly before dropping the arms - that perfect plane is then ruined.
You can test this theory by facing a wall and swinging the club slowly so that it just misses the wall, any shoulder turn prior to the downswing results in the club hitting the wall i.e. coming over the top.
Give it a try - you'll like the results!
http://www.golftoday.co.uk/proshop/t.../lesson11.html