Windows includes several built-in screensavers, including one that shows 3D text. In the settings dialog for the 3D text screensaver, you can select to have it render with a reflection or texture, thus giving it a metallic look. When you select either the reflection or texture settings, you can then specify a bitmap file to have Windows use that when rendering the 3D text. If you do not specify a bitmap, it still renders it with a texture using a built-in graphics file. Interestingly enough, even though the custom-text-dialog box defaults to only bitmap (.BMP) files, the built-in textures are actually JPEGs.
If you have ever wondered what they look like, you can see them by opening the screensaver file (ssText3d.scr) in a resource editor and looking in the JPG section. The two files look like this (they are identical in Windows XP and Windows 7):
