Thanks for the reply. I prefer to use PhotoShop and/or Elements. I sometimes get a creative block. The idea behind the software was to have some templates already made up - get an idea of what scrapbooking is like - and go from there. Work has been very busy over the past year so I get less time than I would like for photography and being creative.
Daughter #1 called a few minutes ago and I discussed this with her. She mentioned Creative Memories. Well they have a "digital page" and a software download (free) and templates (free) that work with the download.
So I downloaded the software to a jump drive and will set it up tomorrow on a stand alone Compaq. It's definitely a good price.
Here's the link should anyone be interested. At least it's a start for daughter #2.
http://www.creativememories.com/