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Yes ... all separate layers

Masking used in corners

Always the same ... 200px.

If I find the frame too large or small, I adjust the photo.

Frame colors are taken from the photo.

I like John's method for creating the blocks.

Centered and outer guides.

This is done within the action when the canvas is expanded.

Thanks for all that info  .... more idea's and I'm seeing ways to improve the action.