1. Pick an image. I'll be using a Hanna Beth pic from here. Crop the picture. (Either 96x96 for MSN, or 100x100 for LiveJournal)
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2. Duplicate the layer and set it to Screen 62.8
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Merge it Down by going to Layer --> Merge Down
3. Add a new layer. Fill the layer with the color 090A0A. Set it to Overlay 88.4
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Merge it Down by going to Layer --> Merge Down
4. Paste this as a new layer and set it to Screen 100.0
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Merge it Down by going to Layer --> Merge Down