(Not necessarily in the original order)
QUOTE
Anyone have any clue what im talking about?
Not really. What's "im"?
QUOTE
Hi, Im trying to do a layout with Photoshop,
Ah. Photoshop, like all other image software, produces images. Not "layouts", at least in any html sense.
QUOTE
Im trying to create a frame, where the words come out on the frame but i have an opaque background under the words.
Huh? Are you trying to create an image with words on it? Then you probably want a Photoshop forum, since this has nothing to do with html. (And is a bad way to start making a web page, if that's what you're doing.)