Thanks Trish, that makes sense about the overlay.
Yes, I did a slight inner bevel through the Effects dropdown. But in the Photoshop tutorial, it had Bevel & Emboss listed in the options for a new adjustment layer.
As for the emboss, I know there is an option for it in the Texture effects, but where specifically are you talking about? When you say the side panel, are you saying where the main toolbar is on the left side?
I’m only asking because what the tutorial said to do with the Bevel & Emboss Adjustment Layer, I wasn’t able to duplicate through the Effects options.