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Open Paint Shop Pro, go to FILE - NEW
Select the PAINT DROPPER TOOL
 and
chose a colour of your choice by moving it over the COLOUR PALETTE
Make sure your STYLES BOX is set to solid colour by selecting the
paintbrush
Select the FLOOD FILL TOOL 
and fill the card with the colour,
Go to SELECTIONS on the menu bar, chose SELECT ALL, Go
back to SELECTIONS - then MODIFY - CONTRACT
This will give you the size of the border - I have chosen 15.
Go back to SELECTIONS and INVERT
Go to EFFECTS - 3D - DROP SHADOW, use these
settings,
Click OK
This will give your card a 3D effect, don't deselect.
Go back to EFFECTS and do the same, but this time alter the
settings of Vertical and horizontal to -4
it should now look like this,
Go to SELECTIONS - SELECT NONE
Now to add your text. Go to
Choose your Font, Style and size, you will have to play around with the
size until your happy with it.
Tick the Floating and Antialias boxes. Type in your message and click
OK.
To move the text into place, select the MOVER TOOL 
and drag it to where you want it, if you overlap the
border, it gives a nice effect
While the text is still selected go to EFFECTS - DROP
SHADOW as we did before. (remembering to change the settings to -4 the
second time)
Go to SELECTIONS - SELECT NONE
Now to add your graphic. Go to LAYERS, and select NEW RASTER
LAYER, add your graphic, as it is on a new layer, you can move it
around.
A good way to add a graphic is to use the PRESET SHAPES TOOL
 right click on it and go to TOOL
OPTIONS
 click in the box
and select a shape, keeping the left button held down on you mouse,
click inside tour card and drag the mouse around until you get the size
and shape you want, because its on its own layer you can place it where
you want using the MOVER TOOL.
Add DROP SHADOW again, but change the settings to 2 and -2
You should now have your finished card
Go to FILE and SAVE AS
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