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"Layers" are so 1990s! The ability to easily create an absolutely positioned container (a layer) has been removed from all recent versions of DW simply because it's a troublesome technique to use for layout and usually causes more problems than it solves. Anyhow, a "layer" is just any page element that has been made absolutely positioned by your page's CSS. This means that even an image could be referred to as a layer, even though the image tag is not able to 'contain' anything. The way to make a "layer" in contemporary versions of DW would be to place a div on your page and style it to be absolutely positioned and located wherever you want it:
<div class="whatever">your desired text</div>
This CSS will place that div 50px from the top of the nearest positioned ancestor, and 200px from the left. If there is no positioned ancestor, then the div would be positioned from the top and left of the viewport (the browser window). So - insert the div, give it a class or an id value, and create your CSS using the CSS panel and the appropriate selector.
Right - so put the image in as the background to a container, and put the overlay text in that same container. Adjust padding of the container as needed to properly locate the text over the image.
Thank you, problem solved!