Daphne, in step #13 you are to create a selection of the vector text before inverting the selection to delete the excess drops on the drops layers. It looks to me like you missed this step. Compare the selections on these two images.
Step #12
Step #13
Do you see the difference in the selection?
On your finished tags I am seeing the drops outside the black text and on top of the gold.
On your name tag I am seeing a mistake in the animation, so I took it into Animation Shop to take a look. The drops animation is supposed to change in the black area of the text from frame to frame, but your black text is mostly the same from frame to frame.
You may want to go through the steps again, and then let me know at what step in the tutorial your results differ from mine and then I can pinpoint where the problem is.