Halloween
This tut assume your have a Good working knowledge of PSP.

Kit: None
Tube: Keith Garvey, you can purchase his tubes here.
Mask:Vix_Halloween2010No1, Mask Set 1 on Vix's blog you can find here.
Template:None
Cluster Frame:from Dessi Designs Depot.

Fonts:Gorestep, you can find here
Shadow: 3,3, 36, 6
Filters: None
PSP Filters used: None

sa-f-df-nl= Select All, Float, Defloat, New Raster Layer.
sa-f-df= Select All, Float, Defloat.
c/p= copy & paste
sa=select all
sn=select none

Let's begin.

This a very quick and easy tut, I hope you enjoy this one.
Open your template delete the credits,bg1 &bg2 layers.
Click on background layer and add another layer, flood fill with black.
Apply your mask and merge group.
Using magic wand click inside the top frame, modify your selections, expand by 7, c/p 1 tube as new layer.
Position tube and invert selections and hit delete.
Movethe frame layer up above your tube layer in the layer pallet.
Repeat this step with the other frame using another tube.
C/P your last tube and position.

Add your copy right and text.
All done.