I used Cassel's WordSlats script for this one. I started with a black background and ran it three different times for each row of text. Copied one on top of the other and moved it to where I wanted the second line of text to be. Using the magic wand selection brush inside the new words, I switched to the original layer and hit delete. Once I hid the second layer, both lines were on one layer. Lather, rinse, repeat for the third row of text. Finally, all three were on one black layer with the words cut out. I used the magic wand again to choose the black and copied/pasted into selection the picture of the woman on the rock. The font is Hobo Std which is what Carole used on her free samples.