I have a question to ask and thought what better that to ask a group of photographers. I am very big on digital design (digital scrapbooking etc) and am looking at putting together a business specially targeted at photographers. Questions I would like answered are these. 1. As a photographer would you prefer a ready made full colour template where all you have to do is insert the picture and if so would a PNG format be okay (which can be used by all) or would it have to be a PSD file. 2. Would you prefer layered templates where you add all your own papers, coloured backgrounds etc.