This Lesson has been written for PSP X2,but can made with other versions as well
Translation by Marie Louise you can find her site here

Click the icon for the materials

1. Open a new transparent image of 700 x 500
Flood fill with black
Layers / New Layer
Flood fill with #808080
Set the opacity of this layer to 69
2. Layers / Load mask from disk masker 92 Maskkels WWA
Layers / Merge / Merge group
Effects / Edge effects / Enhance
Layers / Merge / Merge all
3. Minimize for now
Open a new transparent image of 480 x 326
Flood fill with black
Layers / New Layer
Flood fill with #808080
Set the opacity of this layer to 26
4. Open safa Edit / Copy
Edit / Paste as a new layer
Adjust / sharpness / Sharpen
5. Open lovers
Adjust / Hue and Saturation / Colorize
Hue = 0 Saturation = 0 (see below)

Image / Resize 2x80% 1x 90% make sure all layers is checked
Edit / Copy
Edit / Paste as a new layer
Active your 3 layer
6. Open Crystal
Adjust / Hue and Saturation / Colorize
Hue = 0 Saturation = 0

Image / Mirror
Image / Resize 2x 80% sure all layers is unchecked
Adjust / sharpness / Sharpen
Effects / 3D Effects / Drop shadow
V=2 H=2 Opacity=50 blur=10 Color= Black
Edit / Copy
Activate the 3 layer
Edit / Paste as a new layer
Erase the lines in the window and by the behind
Layers / Merge / Merge all
Edit / Copy
7. Go to the mask image
With your selection tool set to rectangle make the selection shown here

Edit / Paste into selection
Effects / 3D Effects / Drop shadow
V=4 H=4 Opacity=80 blur=8 Color= 808080
Repeat -4
Selections / Select none
8. Open schaduwnaam Adjust / Hue and Saturation / Colorize
Hue = 0 Saturation = 0
Place at the lower left
Effects / 3D Effects / Drop shadow
V=2 H=2 Opacity=50 blur=10 Color= 808080
Adjust / sharpness / Sharpen more
Layers / Duplicate go to the original layer
Effects / Distortion effects / wind / left / strentgh 100
Layers / New layer
Place your watermark
Layers / Merge / Merge all
Save as a jpg file
Your lesson is done,hope that you found it fun to make
If would be nice if you would post the result in my guest book