| This obviously needs some refinement, but here's what I did:
1. Saved a desaturated version as a PSD file
2. Selected the bottom of the color version and filled with white (black would probably look better, but I could also see transparency and a duplicate version colorshifted to gold so that it looked like a gold border)
3. Ran Displace filter, horizontal 0, vertical -10, repeat edge pixels, and used the saved desaturated PSD as the dmap |