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I really appreciate your input, however, I am so new to Photoshop that I don't understand most of what you said.  I don't even know how to make the set of rectangles that you showed at the beginning.  I need really basic instructions.  If you can help, that would be great, but if you don't have the time to, I completely understand.  I was hoping that there might be a tutorial out there....I just can't find it.

 

Thanks!