How to reveal the background layer through a cut-out?

How can I cut out a shape from my PS image to expose the background layer?  I will "Save for Web" with a transparent background.
The shape will be a rectangle, and a text layer will later be added to display within the rectangle.
My goal is to use the PS image as part of a Web page, allowing the Web page background to show through the rectangle which surrounds the text.
Hope this explanation makes sense.
thanks!

Sounds like what you want to do is what countless others do - nothing special.
In Photoshop, put what you want to show on a layer (not Background), make it partially transparent (either with an erase operation or hiding parts of it with a mask), make sure no Background layer is showing (you'll see the checkerboard through the transparent parts), and save the work product as a PNG (or possibly a GIF, but PNG offers partial transparency).
You'll also want to save your design as a master PSD of course, so you can edit the master file
This page might give you some food for thought...
http://Noel.ProDigitalSoftware.com/temp/TransparencyTest/TransparencyTest2.html
-Noel

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