So great to now know how to make templates into masks. I usually do not do scrapbook pages as I am more of a tagger for myself, friends, & family. Anyway, I moved the photos around once I figured out what text to use and how much space I would need for it (aging eyes require larger fonts now). The font is Cotton Candies. I also recoloured the photo frames to subdue them. I don't post any people photos on the internet so I used a stock photo from a graphics site to which I have a paid subscription. The background paper is by Anitess at Deviant Art. Since the mask effect erased a bit of the tree drawing on the left side of the paper, I did a cut & paste of the original paper on top of the merged image to correct that. Wonderful lesson. Am eagerly anticipating the next one. Sharon