Normally if you want to fill some text with an image rather than a flat colour or gradient, the routine in Adobe InDesign (and QuarkXPress too) is to convert the text into a group of irreguarly shaped boxes and put the image inside them. The obvious problem with using InDesign’s Text > Create Outlines command (and QuarkXPress’ Style > Text to Box command) is that once you’ve done it, you can’t re-edit the text; instead, you would have to delete the current text-shaped boxes and start again.
Here’s a way of doing it in InDesign CS2 and CS3 without converting the text to outlines but keeping it as live, editable text. Place an image on your page, then draw a text frame and put some text inside. Make sure the text frame is in front of the image.
Select the text frame and use the Swatches palette to give it a fill colour of [Paper]. The text itself should be [Registration].
With the text frame still selected, open the Effects palette and apply the Lighten transparency blending mode.
This causes the image behind the text frame to show through the black text characters.

Align the text and image frames precisely, and you have a textured text fill.

And best of all, the text remains editable. Here, we changed the word ‘water’ to ‘layout’ simply by typing over it.
Just remember that this trick only works when designing over a white (no colour) background.
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