Easy to modify. Insert image by double-clicking the icon of a layer “img_dblClick_REPLACE_ME”. It will open included, layered scene (see first 2 examples), so you can paste your transparent image on top and position, save. You can also disregard included scene and paste non-transparent .jpg on top (as shown in last example). Edit main text by double-clicking the layer icon of layer “headerTEXT_dblClick_RETYPE” and retype. Text will automatically become “distorted”, and if it asks for “displacement map”, just browse to the file “displacement_glass.psd” (included).