I know I am not a master at this like Grimby is, but here is what I think you need to do. 1. Find a MD flag pattern that you can save in Photoshop. 2. Type what you want to say in a solid white font. 3. Create a duplicate layer on top of the layer you did for step 2. 4. On the step 3 layer turn its font into the same style as the solid font, only make it hollow. 5. Load the MD flag pattern. 6. Go into blending effects for the solid font pattern, and select the MD flag pattern. You should now see the flag inside of the hollow letters. You can also add a drop shadow to give it some highlights as well.