I was able to figure it out by using the instructions - they were very good!

I did do a few things a little different, as I am using DIS 2006. I added the white border with thin black line instead of adding a white rectangle behind the picture.

I also adjusted the shadow, changed it so it was a bit darker and softened the edge of the shadow to get the look I wanted.

Thanks for all your great tutorials - I have learned so much from them!

If anyone has any suggestions or critiques - I would love to hear them!!