Mary Solaas, firstly your great grandchildren have gorgeous smiles! and I like the way you present your projects. I love seeing the ideas of others and how they are presented, there is always something to learn.
The 4 way average I used is one of a set of Simple filters (Simple is the name of the set). I am sorry but the filter is not part of Paintshop but is an addon, and yes for my panel I took a selection of the wall from the original photo and added it as a layer to my page. Thanks for your comments and interest 🙂