Navi Rawat icons (4), one of which demonstrates my method for putting words in icons.
first, a roughly-drawn guide to putting text in icons, since I was asked...
edited to add:
*I shrink it first - but I wanted the pic to be big enough to be easily visible.
*click on the Text Editor (Paint uses the letter A in a box)
*click on the overlapping shapes; default is a shape over a broken-open shape (which, with text, is that white bar separating text from the background pic)
*begin typing
ps: tonight is LEVERAGE!