Thanks for your help with this.
I said the first example has "about" 8 layers, but I should have written, it has 9 boxes (layers?) in terms of where I can add/delete images for the template. The retouching service sent me the new one, and it doesn't have the options that the bottom template does. That is the one I am very familiar with using and was trying to "replicate" the multiple layers (the gray/black portions) with the new template my retouching service sent me.
With that being said, I greatly appreciate your help with these two new options and am trying to learn more about the two new options.
Can you please explain why it is a good idea for each method you've shown me to be editable? I don't understand that. In my old way of doing it, if I didn't like the photo I actually dropped into each specific cell (layer), I'd just go back to the layers palette and deleted that layer and start over again with a new image in that layer.
Also you mention PSB, I have no idea what PSB is, so can you please explain that?
Finally, with the two new options you offer that are a better way of doing what I am trying to accomplish, how do you even begin to start making a new template like this?
I always appreciate your help with my questions and thank you for taking the time to assist me.