Simply Vacations contains layout templates, background papers, embellishments, and a full AlphaSet. Layout Templates are on CD in both PSD and JPEG formats. The fully-layered PSD versions of the templates contain everything shown, except the photos and personal journaling. Title art IS included, but can be made invisible or deleted. The JPEG (Quick Page) Templates are flattened and are meant to be a background for you to build upon. The background papers are in JPEG format, and the embellishments are in PNG format. THE BACKGROUND PAPERS ARE GREAT FOR COLLAGE ART AND GREETING CARDS, AS WELL!  Also, as stated in our tutorials, the colors of all layers can be changed to match your photos or design choices, giving you unlimited possibilities and a never-ending supply.