I made it with PSP: &

Supplies:

Important:
01) put the: Raute.PspStyledLine in your PSP styled lines folder

02) put the rainyday.PspSelection in your PSP selection folder

Filters / Plugins:
Alf's Power Toys:

You are welcome to take this nice sunflower with you, it shows you always where you are (just click and drag) Have Fun!

tutorial tested by:

01) open the mask: CrisTaylor_m12.PspMask

minimize it

take a light FGC and a darker one for your BGC

File / New / 580 x 450 px / transparent

flood fill with your dark BGC

02) Layers / New Raster Layer

flood fill this layer with your light FGC

Layers / New Mask Layer / From Image:
Invert: NOT checked!!!

Layers / Merge / Merge Group

Effects / Edge Effects / Enhance

Layers / Merge / Merge Visible

03) activate your selection tool / Custom selection:

Layers / New Raster Layer

minimize it for now

04)  File / New / 580 x 450 px / transparent

flood fill with your dark BGC

Layers / New Raster Layer

flood fill this layer with your light FGC

Layers / New Mask Layer / From Image:
Invert: checked!!!!

Layers / Merge / Merge Group

Effects / Edge Effects / Enhance

Layers / Merge / Merge Visible

Edit / Copy
minimize it ; don't close it!!!

close the minimized mask (CrisTaylor_m12.PspMask); we don't need it anymore

05) back to your first picture / selection

Edit / Paste / Paste into selection

Deselect

your picture looks like this now:

06) Layers / New Raster Layer

activate your selection tool / Custom selection:

open a rainy picture

Layers / Load/Save Mask / Load Mask from Disk:

(or take the mask 20-20, it's on you)

Layers / Merge / Merge Group

Edit / Copy
close it again; we don't need it anymore
back to your selection

Edit / Paste / Paste into selection

Deselect

change the blend mode to: Luminance

and the opacity to: 60

Layers / Merge / Merge Down

07) activate the bottom layer

Effects / Image Effects / Seamless Tiling: default settings

your picture looks like this now:

activate the top layer again

Selections / Select All

Selections / Float

Selections / Defloat

Selections / Invert

08) activate the bottom layer again

Effects / Plugins / Alf's Power Toys / Split Distortion: 32

Deselect

activate your selection tool / Custom selection:

09) Layers / New Raster Layer

flood fill with this gradient:

Effects / Art Media Effect / Brush Strokes:
colour: your dark colour

Deselect

Layers / Duplicate

Image / Mirror

Layers / Merge / Merge Down

Adjust / Sharpness / Sharpen

10) activate the top layer

Effects / 3D Effects / Drop Shadow:
&

Layers / Merge / Merge Visible

minimize it for now

11) activate your minimized mask picture:

Image / Resize:

activate your selection tool / Custom selection:

Layers / New Raster Layer

activate your minimized picture:

Edit / Copy
close it now, we don't need it anymore
back to your selection

Edit / Paste / Paste into selection

Selections / Modify / Expand: 4 px

Effects / 3D Effects / Drop Shadow:
&

Deselect

12) Layers / New Raster Layer

Selections / Load/Save Selection / Load Selection from Disk:

flood fill the selections with your gradient

Effects / Art Media Effect / Brush Strokes:
colour: your dark colour

Deselect

Adjust / Sharpness / Sharpen

Layers / Duplicate

Image / Mirror

Layers / Merge / Merge Visible

13) open your tube of your choice

Edit / Copy
close it again; we don't need it anymore
back to your picture

Edit / Paste / Paste as new layer

Effects / 3D Effects / Drop Shadow:

14) activate your text tool

font of your choice / Size: 72 / Stroke width: 2 / Line style: Diamonds

FGC: gold or silver pattern / BGC: your gradient:

write your text

Effects / 3D Effects / Drop Shadow:

Image / Add borders / 2 px / your light colour

add your watermark and name

Image / Resize / 600 width (all layers checked)

Adjust / Sharpness / Sharpen

File / Export / JPEG Optimizer