Carole, have you ever done a survey, on those points that you made?
I had never done paper scrapbooking, or digital scrapbooking, until I found your site. I used PSP to edit photos, create cards and calendars. Programs, and posters for various organisations I was involved in, also business cards. Such as PTA (parent, teacher assoc) Pony Club, Local Ploughing match and the like.
The phrases I have posted, are from what I have experienced through being a member of the campus.