How to use a Layered Template in PS or PSE

[tweederbug]

Very nicely put..I just figured out how to do a template in CS2 and I love it. I hope that this will give someone else the chance to get in on this wonderful layout creation called a template.

[kukigari]

Thank you for this sooooo good tutorial!!!

[Scrappinsass]

Thanks for the easy to understand instructions. I could picture it in my head what had to be done!.. Now it's easy peasy :)

[karbi]

Thanks for the help.