I figured it out. You can add remarks to a photo by using the "Time Info" tab. And you can place the text wherever you want it. This is good. However, you are limited to only a single line of text.
I have been surprised to see the limitations of this software, given that it can't do several of the simple tasks that my 5 year-old Nero program can do. With Nero, I could divide up my text into 2 lines to make it fit around a picture more evenly. Sure wish this program could do that.