and another one i promised ages ago...
bottom to top again:
Part of a stock image. Setting: Normal, 100%
Multiply, 39%
Hard Light, 13%
Normal, 100% {edges=white were erased}
Screen, 20%
Soft Light, 100%
Exclusion, 100%
Dodge, 17%
A brush... Soft Light, 100%
Another brush... Overlay, 100%
And another... Overlay, 100%
Text! Multiply, 38%
Duplicate of the text. Hard Light, 100%
Yet another brush... Soft Light, 100%
Border brush! Normal, 100%
Mirrored and flipped copy of the same brush. Normal, 100%
and now you should have this:
Recognize the brushes I used? Please let me know who made them, so I can credit.