With Transparency included as a feature within InDesign, it’s easy to create a ghosted panel as a design element in your layout. But, if you want to make a ghosted panel for text by lowering the Opacity of a Text Frame in the Transparency palette (Window > Transparency), everything in the frame, including the type, will be Transparent.
The only way I found around this, is to type all your text in a separate Frame. Center your Type Frame to the ghosted panel by using Horizontal and Vertical Center Alignment in the Align palette (Window > Align) Then Group the two objects (Object > Group) so both are working as a single unit when moved with the Selection tool.
Tip provided by Jeff Witchel, Certified Adobe® Training Provider.