Hi There Wendy!
Navigated over to the tute you suggest above it seemed less complicated than the one I originally used to create the post above and when I got into it...about half-way through step 3 I ran into a command /instruction...
Layer>effects>bevel and emboss...I could'nt find it nor could I find a workaround....
I have Photoshop Elements 2.0 when I select layer there is no effects in the sub-menu...I run into this quite often...I'm finding out that even when the author of the tute says the tute will work in Photoshop and /or Elements sometimes it will and sometimes you just can't find a workaround...
This is something I will have to deal with....I'm resisting spending $600US
for PS-8 until I become reasonably proficient w/Elements.....
In the meantime I'm half way through your tute and I'm stuck...
I'll have to pull a rabbit out of my hat!
ranger72