Here's the template i used to create a layout for my many christmas pictures. Its an overlay file.I picked out my background paper by pc layers winter wonderland kit 2. Then placed the overlay template on top it.
Then in power point 2007 I added the frames with shadows with the same kit from pc layers. Then I used Cherie Masks Be Merry Freebie Paper that was cropped down to make the additional elements to match the blue in the other paper. Then added the letters as well from the pc layers kit. I basically did this in one day because my time was spilt up.
Here's the link for the template
Christmas Template 4 photos.zip
I hope you like one of my creations. Sorry no pictures because my family won't allow me to post any of them on the internet.
Remember the only thing you get is the overlay template.
You can find the kits I used under personal use tou's at the following sites
http://www.pclayers.com/ this is a purchasiable kit only
http://www.twopeasinabucket.com/ click digital, then click shopping, click digital kits, scroll down to free.