Puoi farlo con i css e il posizionamento assoluto


codice:
<?xml version="1.0"?>
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Strict//EN"
"http://www.w3.org/TR/xhtml1/DTD/xhtml1-strict.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>Untitled</title>
<style>
.image {
	position:relative
	}
	
.image img {
	position:absolute; top:0; left:0;
	z-index:-1;
	}
	
.image span {
	position:absolute; top:2px; left:2px;
	z-index:1;
	color:red; font-family:verdana; font-size:11px;
	}	
</style>
</head>
<body>

<h2>Ipotesi 1</h2>

<div class="image">

<span>Scritta</span>
</div>

</body>
</html>