This image is the same as the image on the home page which is in color.  This image has simply been put in black and white. Same image in B & W - 1, Border - 2	This image is done putting two different pictures together by using layers.  I also had to use the hue/saturation tool and the smudge tool for it to come together. Layer Photo - 2
The image below is done with a mask for the sail boat and then creating the background photo in black and white. Mask photo - 1, Black & White - 1, Border - 3	This one is done with masks and layers for all the images to merge together.  It was quite the long process, but it turned out really cool.  Thanks to Internet tutorials! Mask Photo - 3, Layer Photo - 3, B & W photo - 2
This image is also done with a mask.  As you can see I have taken the sail boat from the picure above and put it in rocky waters. Mask photo - 2, Border - 4	This photo is done by layers.  I also added a border to this picture, although it's not aligned perfectly as you can see some white around the edges.  I also used the gradient tool on this image on the background layer. Layer Photo - 4, Border photo - 5
This image is done using layers and a shadow effect on the overall picture.  The original photo is simply a winter scene in lovely, cold, Ohio. Layer photo - 1, Text in Image - 1, Text effects - 1	This one took forever!  This one is done with masks, layers, text effects, and image effects.  This was with the help of a tutorial, however it turn out really great!  It took about 4 hours, whew! Text Effects - 2, Text & Image - 2, Image Effects - 4