By default in XP, it can't be manually changed. The text changes on its own
from dark to light depending on the color of the background. It is based on
the Desktop color not the Wallpaper. The combo is whether or not you are
using a Wallpaper and what the Desktop color is.
There is no provision, other than between black and white with shadows
The latter if in Control Panel - System - Advanced - Performance in
Settings click Advanced you have 'Use drop shadows under icon titles'
selected
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