Photoshop :: Creating Text - Cannot Seem To Get Any Color But Black

When creating text, can not seem to get any color but black. Grab text with text tool, chose a new foreground color, foreground color will change, text color in options bar will change, but text stays black.

If trying to gradiate the text.  Again, I choose a color, pick the gradient tool, set the type of gradient, all looks good, new color with white background, but still it comes out as new color and black.  Have try making the foreground white with new background color, but still only get black.