When background images are used on pages containing text, it is more common to use something with muted colors. We will make the background you just borrowed from the PhotoShop patterns more usable by adjusting the contrast a bit.
So, get back to PhotoShop so that we can change the "patternbg" file a bit.
There is a "Brightness/Contrast" adjustment mechanism built into PhotoShop. For producing appropriate background, however, I find it easier to proceed by adjusting layer opacities. So, we first need to make some layers.
At this point, both layers are identical. What we want to do is make the background layer solid white and then adjust the opacity of "Layer 1" to let some of the white background show through the pattern.
To see if you have succeeded in making the background white, you can click on the "eye" icon at the left end of the Layers palette "Layer 1" entry. This should leave only the white background visible. Once you have verified that the background is white, click the "eye" again to redisplay the pattern.
Now, we can adjust the opacity of the pattern.
Once the pattern looks light enough, you should save the image as "pattern.gif" and reload your HTML page to see the improvement. Since you have several layers in your image now, you will not be allowed to immediately save it in GIF format. You could flatten the image, but this would make it difficult to come back and readjust the contrast if necessary after viewing your page. So, it would be better to instead:
Now, get back to Navigator and reload the page to see if the text is more readable. If it is still not good enough, you will get to find out why we used the "export" mechanism rather than flattening and saving the image. You can go back to PhotoShop, readjust the opacity of the pattern layer and export the image again.