[propbeanie]

There are a few files in SH4 that use multiple images stacked on top of each other, using transparency, such as the Stock splash screen, and other mod splash screens. However, they are "set" and called by the SH4 game itself, and are pre-existing dds files. Same for skins on ships and planes. They are pre-existing. The skins are somewhat date-controlled, and can be variable. You could even "hang" and extra graphic that could be text on top of a skin, and have that date controlled, but you are not dealing with text, but like DanielCoffey says, an image file...