TEXT CREATE CLIPPING MASK IN PHOTOSHOP

TAKE ONE PICTURE -- TEXT--  TAKE NEW LAYER-- P-T-L - -- ON PICTURE  RIGHT CLICK -- CREATE CLIPPING MASK -- TEXT-- fx(LAYERS STILE) -- BEVEL & EMBOSS-- fx -- DROP SHADOW--  FILE-- PLACE-- ON PICTURE RIGHT CLICK CREATE CLIPPING MASK  ---- AGAIN-- FILE -- PLACE-- ON PICTURE RIGHT CLICK--  CREATE CLIPPING MASK-- FOR BACK GROUND  PICTURE--- ON LAYER -- FILE --- PLACE-----------