1. Open the photograph you want to
use for the picture text emboss effect. Try to take vibrant or light
colored image.

2. Type the text over the picture.

3. Create the duplicate layer for background and drag
it over the text layer. The positions of the layers will be as bellow.

4. Select the top image layer
Layer > Create Clipping Mask
5. Select the text layer
6. Layer > Bevel &
Emboss (Inner Bevel)
7. Check Drop Shadow also.

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