I am using Photoshop 7. For me it was very simple. I opened up the picture, duplicated the layer (control + J). Then I uh...forgot the word. It's not crop, but its ummm....like extract kind of. It's like the "cut". I can't remember what its called. Oh, I think its selection. So I "selected" the part I wanted colorful and then while the lines were still around it, clicked "New Layer". That brough just the little picture into its own layer. There I added the borders, just by using the paint brush. (Press down, then press "Shift" to make a straight line). I also added a outside glow. You right click on the layer and press "Blending Options" and you should find it. Then I went back to the original image and I believe its under "Image", I pressed "Desaturate" to make it black and white. I added borders on there the same way. Because the little picture layer is on top, it will make it look like what I showed. If you want to make it all one layer, I believe merging layers is (Control + E). Then save it. I hope that helped. It's not too complicated. Sorry if the commands are a bit off, I'm not at the computer with Photoshop on it right now so I can't check for sure.
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