Focal point and cropping text

I have a few questions about focal point, how is it done?

I'm thinking that the background is sharpened and the thing you want focal is smooth right?

Also how do you crop text or irregular shaped objects?

 

A focal point is the main part of your tag normally a render, the flow of your tag should draw your eyes towards the focal. http://en.wikipedia.org/wiki/Image:DOF-ShallowDepthofField.jpg
You can see there what the focal is..