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Step 1 : I have opened this image of Kareena Kapoor in Photoshop. Now to add the text.
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Step 2 : I have gone to Wikipedia for the text on Kareena Kapoor. I have highlighted a portion of the text. Then pressed CTRL+C to copy it.
Step 3 : Click the Type Tool and select the Horizontal Type Tool.
Step 4 : Draw out a Text Box with the cursor.
Step 5 : Press CTRL+V and the text will be pasted.
Step 6 : Double click the Text layer thumbnail in the Layers palette.
Step 7 : The text is highlighted. The text is also too large in size.
Step 8 : Press SHIFT+CTRL+Comma key. Every time you press the comma key the size of the text becomes smaller.
Step 9 : When you are satisfied with the size of the text click the Tick mark in the top panel to apply the transformation.
Step 10 : Press CTR+SHIFT+T and a selection will form around the text as shown.
Step 11 : Now Press SHIFT+the Down Arrow key. Each time you hit the down arrow key, the text will move down a shown above.
Step 12 : When the block of text has moved fully below the one on top, press Enter.
Step 13 : When you press Enter, the selection changes to a dotted line.
Step 14 : Now press ALT+CTRL+SHIFT+T. Then go on pressing the T while holding ALT+CTRL+SHIFT pressed. Every time you hit the T, the entire block of text will be copied and pasted one below the other.
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The text now covers the entire image. Step 15 : Look at the Layers pallette. The image is at the bottom layer i.e. the Background and the text layers that were copied and pasted on top.
Step 16 : Click on the top most Type layer in the Layers pallette.
Step 17 : Go to Layers>Rasterize>Type.
The top Text layer has been Rasterized. Now Rasterize all the text layers in exacly the same way.
All the Text Layers have been Rasterized.
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Step 18 : Click on the first Text Layer and press SHIFT. All the text layers will be highlighted.
Step 19 : Now press CTRL+E. All the Text layers will merge into one. See above. For those using PS 7 go to the first Text layer and press CTRL+E. It will merge the layers one at a time. Step 18 will not work for PS 7 users. Never mind, you can also do it with Step 19.
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Step 20 : CTRL+CLICK on the Layer thumbnail of the rasterized Text layer.
Step 21 : The entire text will be selected.
Step 22 : Click the Eyedropper Tool to select it.
Step 23 : I have clicked on the lips with the Eyedropper to select the orange color.
Step 24 : Note that Foreground Color changes to the one I picked.
Step 25 : Press ALT+BACKSPACE to fill the selection with color. Press CTR+D to deselect. This is how the image looks.
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Step 26 : Click the Add Layer Style Button.
Step 27 : From the popup click on Blending Options.
Step 28 : Click on Drop Shadow where the red arrow points to for the Drop Shadow dialogue box to open.
Step 29 : In the Drop Shadow controls change the Opacity to 50 % and the Size to 7 pixel. Click Ok.
Step 30 : In the Layers pallette change the Blend Mode of the layer to Difference.
This is how the image looks.
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Step 31 : I am reducing the Opacity of the Layer to 51 %.
Step 32 : This is how the image looks.
Step 33 : Click the Type Tool again and select the Horizontal Type Tool.
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Step 34 : I have added text.
Step 35 : I have opened another image and am dragging it onto my image while keeping SHIFT pressed. This will cause it to land exactly in the middle of the image.
Step 36 : I have placed the new image over the text that I have just typed. Then keeping SHIFT and ALT pressed I have dragged it out and resized it till it covers the text.
Step 37 : Click between Layer1 and the Text Layer as shown to make a Clipping Mask.
Step 38 : As soon as you click the image blends with the text. See above.
You can reposition the image inside the text if you want. I have done so to make the eyes visible.
Step 39 : Click back on the Text layer.
Step 40 : Click on Add Layer Style Button and from the pop up click on Stroke.
Step 41 : In the Stroke dialogue box, click on the red color box to bring up the Color Picker.
Step 42 : In the Color Pick, click on the White. Click ok in the Color Picker.
Step 43 : Drag thr Size slider in the Stroke dialogue box to 6 pixel. Click Ok.
And here is the finished text and image blend. Bye for now.