Layers, layer styles, and layer masks have become such an essential component of Photoshop that it’s hard to believe that the early versions of Photoshop didn’t have layers. Today, so much of what you do in Photoshop, you will do on layers.
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This video was completed in Photoshop CS6. You might be able to adjust it for PSP, Gimp, or Photoshop Elements.
If you were able to please let us know, so that others can benefit from the video.