Here you will find some of the cards I have created for special occasions. I will give you an example what it took to create the inside of the second card. I used parts I got off the net from at least 4 different places. I dissected the photos by cropping them and then pasting them into the inside frame of my E-card.
If you follow my directions in, CREATING PICTURE TUBES.
You will see how I added my photos you see below, with out them overlapping the text or covering up some part of the card that you don't want covered.