ok 3 things....
#1- Im using Gimp...
#2- Idk how to use/see layers...... you can ask nottz ifyou would like, he can vouch that idk how to use layers...
#3- all I did was google stock photos with dimensions set at 420X150... smudged in the background,added some c4D's , added a bit a blur and then added the text.
if you recheck the image's with the sis i created you can notice that mine has the C4D's and the blur and the background is smudged....
its like working with a stock that has already been cropped to 420X150...