I am new to PS7 and it's capabilities and would like to accomplish this task. I have a photo that I want to apply a border to and would like to only have the border and photo transfer and not the white background. My sequence is, I open the photo, open a new page that has a transparent background. I then transfer the photo to the transparent background and apply the frame layer over the photo. My layers window show three layers. I have tried to merge visible only, link the frame and photo and delete the transparent background, and a couple other methods I've forgotten. When I have saved any of the above as a jpeg for my website, a white background appears in the final version also, and will then increase file size for the page. I would like only the photo and frame. Is this possible? Thank you for your help.