I had a question asked of me in one of my posts. This person asked for a tutorial on how to use Layered Templates (specifically in Photoshop Elements). I confess, teaching was not a gift God gave me. If anyone is able to muddle up the explanation, I'm great at that! However, I did search for a few tutorials for any of you looking for some step by step instructions. Knowing that everyone learns differently, I found a few options.
Hummie: http://www.hummiesworld.com/tutorials.html (Course 1, Lesson 6L) - She's in the process of converting all the tutorials to PDF files - I'll link directly to it once it's complete.
Misty Cato: http://mistycatodesigns.blogspot.com/2007/03/layered-template-tutorial.html
If I find more, I'll post them. If anyone can recommend others, please post them in the comments.