When you create a new image with a white background or a colored background, the bottommost image in the Layers palette is Background. An image can have only one background. You cannot change the stacking order of a background, its blending mode, or its opacity. However, you can convert a background to a regular layer.
When you create a new image with transparent content, the image does not have a background layer. The bottommost layer is not constrained like the background layer; you can move it anywhere in the Layers palette, and change its opacity and blending mode.
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