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PhotoShop Tutorial:
Fill Text With Pattern-Fill

A free-form scribble was manipulated with filters, color changes, pens, brushes to create this repetitive "oranges" pattern and the image of the two rows of oranges had the layers flattened, then was cropped and the colors adjusted again. My final background was 5 inches wide and approximately 2 inches in height before it was cropped as a completed image. Directions follow:
1) Duplicate layer; 2) Change bottom locked-layer to white;
3) Activate the new colored layer and click on the text tool, make your text.
4) Drag the text layer below the colored layer.
5) Duplicate the colored layer.
6) Hide the upper colored layer and activate the lower colored layer; decrease opacity.
7) Hide the lower colored layer and activate the higher colored layer.
8) The text layer is below the upper colored layer. ALT + Click on the line between the upper colored layer and the text layer.
9) Unhide the lower colored layer, activate this layer and adjust opacity.
10)Activate the highter colored layer, Adjust, Hue, Saturate, Contrast to where you want it.
11) Flatten the layers.
12)Save For Web.
Here is the completed image:
 

Another Pattern-Fill

This image was tiled across a new image, size 5" x 2", to created the following text: