Sometimes photos with text can be Type 1 by the PSA standard, it has to be evaluated on a photo by photo basis. There were techniques that could be done to negatives to create a finished product that looks like it "should" be a Type 3, but it is still off the original negative. Same with composites. Underwood and Underwood used trays for 4x5 inch negatives that could lay two of them side by side and crease a two-part composite photograph each of which is a Type 1 photo, Bain had a similar device. Saying everything with text or writing on the front is a Type 3 is generally safe, but there are exceptions to the rule.
Modern photography (when you start to get into digital and color technologies of the 1990's and early 2000's) make the debate between Type 1-2-3-4 of the vintage era look like a cake walk!
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