The text on all these files is black, but you can use these on a dark background by simply inverting the template (in photoshop, you can do that using "image/adjustments/invert" from the menu, on the template layer only). Keep in mind when you invert the template, you may find the colour bands a different shade too. As well, you can use the layer styles and add a drop-shadow of white if using the black text on a dark background, which will make the text readable on a dark background without inverting the template.
Any calendar you create using your own images or designs using the basic templates can be sold wherever you like (you can't sell the template only, you must add your own designs).
This will most likely be one of my lasts posts for 2011. As Christmas draws closer, I find myself falling further behind with preparations - namely baking the mass lot of cookies I do every year. Each year I find it harder to get moving and start the baking. Once I get it started, I'm okay, but right now...I really need to get started.
If I don't post again before Christmas, I hope you all have a wonderful, happy and safe Christmas, and my wishes for a prosperous and Happy New Year!
NOTE: effective December 2013 templates for calendars prior to 2013 can be downloaded from the archived calendar directory HERE.