Thanks guys -

I tried printing both as a merged and unmerged file (i.e. in native .psp format with layers intact). The overlay definitely set to "normal." Again = opacity is set at 100% - I am NOT using a transparent layer!

Now - the photo rested on top of the frame mat but in the middle of other layers on top of this particular template - does the photo need to be at the very top with all the other layers underneath?

This is what gets me crazy - print preview (i.e. just looking at the image on the screen) is normal - but when the darned thing prints - it takes on the color characteristics of the underling layers and the paper below. I just don't know what I am doing wrong.

Any other ideas?

Pat