Ok on the shadow layers, here's where it gets a bit tricky.
Create a new layer below the card layer.
Turn off the card layer.
Turn off the card layers gradient (that we just made above)
With the new layer we just created selected/highlighted, click the card layers thumbnail to make a selection.
[ATTACH]59622[/ATTACH]
Again with the Gradient Tool, create a stronger gradient than we did before.
[ATTACH]59623[/ATTACH]
Duplicate this layer. (Cmd/Cntrl + J)
I would name the layers shadow 1 and shadow 2
Turn on the Card layer.
Turn on the card layers gradient.
Now select the shadow 1 layer.
Enter free transform.
Right click and choose distort.
Grab the middle top handle and move the downwards and to the left.
[ATTACH]59625[/ATTACH]
Hit the check mark or enter to accept the changes.
Repeat the above process for shadow 2 layer.
I would use a guide line to get them even.
[ATTACH]59626[/ATTACH]
Now all you need to do is add a Gaussian Blur to both shadow layer and lower their opacities.
[ATTACH]59627[/ATTACH]
I did forget to mention that I added a Bevel and emboss layer style to the card layer.
If you have any question, please ask.
