Hi,
try using the MAKE PANO (SINGLE-SWF) droplet or the krpano Protect Tool to build swf files with embedded files.
But generally I wouldn't recommend this - such files are Flash-only, load slower and without Javascript embedding several browser-related fixes (mousewheel usage, page scrolling, the detection of the mouse-button-release outside the viewer, ...) are not available.
Best regards,
Klaus