Lizy, if you're interested I can show you how to do this and you can use it as an intermediate digital scrapbooking course. Of course, you can probably figure this out on your own! Oh, and Rob found the drop shadows effect, so if you haven't found that yet I'll show you.
I also figured out how to make things look like they have a layer of glossy accents, or a page pebble on top. But that was the last thing I did tonight and I don't have anything to sample it yet.