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this is kinda technical and I just wanted some input from you guys.   I haven't researched this much but...

the PSD file format is really large but it is great source and enables abilities that nothing else can.  Such as my previous post about having OVERLAY layers with transparent backgrounds,

I would assume that PSD is a photoshop only file?   Anyone know of another program that uses it?   Lets use the SWF (Flash) file format is open and used by many programs just not Macromedias.  

With some good programming could we use the PSD file as an actualy straight image file.   For example:  We create an image with overlay layers with a tranparent background and write a port for the file and use it in applications?  

My application would be this "Would it be worth it"  "Can you think of any side effects"  to making a port for the PSD file fomat to work in a 3D engine.    JPG, TGA, PNG they are all so limiting as what you could do with a PSD format.    I seriously doubt this but is PSD a licensed file format able to be purchased?  Realisticly if its possible it could bring a next level of graphics to the gaming world "as long as it didn't crush the performace"

Again I didn't research this I didn't approuch my gaming team about this I just wanted to know how you guys feel about it.