Download Paint.COM and then open some of the templates there. Study it for a while and you'll see it has 2 layers. One normal layer and the one special with color areas. Each color area is then replaced by an actual photo in the Card Creator.
Make your own template for Post Card Creater
Could someone show me how to make a template for the Card Creator
program? It says it's possible but I'm not at all clear on how to go
about doing it. A step-by-step would be a big help. Thanks for any
suggestions. Jim.