There are two ways to do this: (1) Create a slide with your text already on it, save it, and bring it into your video. Here’s how: Press Command-N (PC: Ctrl-N) and create a new document that’s the same size as your video (in the New dialog, choose your video file from the Document Type pop-up menu to automatically fill in the size), fill it with white or black (or you can open an image and copy-and-paste it into that new document as your background), and then add your text. Choose Flatten Image from the Layers panel’s flyout menu, save it as a JPEG, then open it into your video, just like you would any other photo (drag-and-drop it in the timeline wherever you’d like it to appear). Now, if you want your text to appear over some moving video, while keeping it editable, then (2) create it right in your video document itself. To do this, you’ll use the Horizontal Type tool (T), but you’ll notice that when you click the tool and start typing, it adds this text at the end of your video, instead of floating the text over your clips. To make the text float over a particular clip, you’ll need to go to the Layers panel, and click-and-drag that type layer out of the video group (it’s grouped in the folder called “Video Group 1”). Just click right on that type layer and drag it up and out of that group, and now it appears on its own, floating above your video track. You’ll also see this created a new video track above your existing one. You can now click-and-drag this type clip above any video clip in your timeline, and the text will appear on top of the video with a transparent background. You can edit the type any way you want just like it was regular old Photoshop type at this point—change the color, size, font, etc., any way you’d like.
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