Simply Recreation is our first CD to offer both fully-layered and Simply ScrapOver templates (plus the usual 100s of coordinating papers and embellishments offered on MEGA CDs)! Fully-layered layout templates are in PSD format.  Simply ScrapOver templates are in PNG format. The PSD templates contain everything shown as a separate layer (photos and personal journaling not included).  Title art IS included as a rasterized image, but can be made invisible or deleted.  The Simply ScrapOver templates are all-in-one layer, except there are transparent openings in order to drag photos beneath and not have to size perfectly or add drop shadows (they're already applied). The background papers are in JPEG format, and the embellishments are in PNG or JPEG format. OUR PRODUCTS ARE GREAT FOR PAPER CRAFTS, COLLAGE ART, AND GREETING CARDS, AS WELL AS DIGITAL SCRAPPING!  Also, as stated in our tutorials, the colors of all layers, papers, and elements can be changed to match your photos or design choices, giving you unlimited possibilities and a never-ending supply.