Simply Sandi's Simple Gold Frame
Open a new image 400 x 400, transparent
Use gold gradient for foreground, background null.
Click on preset shapes, set to rectangle'
Check antialias, set line width to 35.

Set cursor at 0-0 and pull to 400-400
I am going to have you rename your layers so I can tell you the layer to be working on since I am not supplying screen shots.
Duplicate your layer and name the duplicate layer 2, go image, resize, do NOT mark all layers, enter 95%, ok
Duplicate this layer and name the duplicate layer 3, go image, resize, do NOTmark all layers, enter 95%, ok
Duplicate this layer and name the duplicate layer 4, go image, resizse, do NOT mark all layers, enter 95%, ok

Now you should have 4 layers each with a gold rectangle. each a little smaller than the preceeding one.  Now, you can either leave these like they are or make layer 2 active and rotate 180%, make layer 4 active and rotate 180% (which is what I did)
Click on layer 4, effects, innerbevel, settings-- Choose the 3rd bevel in the pictures, width 8, smoothness 4, depth 4, ambience, shininess, & angle 0, intensity 50, elevation 30 color C0C0C0 (light grey), click ok.

While still on 4th layer apply drop shadow, color 211501 (or black), v&h 2, opacity 100, blur 18.5, repeat changing v & h to -2.

Make layer 3 active and apply both drop shadows.

Make layer 2 active and apply both drop shadows.

Merge visible and save as a pfr file.

You can add a pool shadow to you finished frame  or you might try adding pool shadow to each layer before merging.

Below is another frame with no bevel applied to layer 4, and I changed the setting for the drop shadows.

Hope you find this tutorial useful and understandable.  sandisuetoo
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