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ONe thing to think about is using the presets like brushes, custom shapes, layer styles (in PS and PSE) and fonts for commercial purposes. You'll need to make most of your own stuff if you plan on selling grahics or pages.
In PSP you have to make it yourself mostly anyway, but in PS/PSE there are so many it's easy to be "tempted", and frustrating to recreate the wheel just to sell it, yk?
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