
first of all welcome [righton]
Your 2 questions have been asked a multitude of times by many people,so dont feel stupid ok
1 - I think you are talking {not sure} about an illusion,because if you zoom way into your image does the black line disappear?
2 - Just click on the text of the bottom layer and re name it,that will unlock it.You can also copy the layer by dragging the layer in the layers palette onto the little icon at the bottom of that palette which looks like a page,so then you have your normal background layer {locked} and a copy above it with no lock upon it.
hth
Stu.