here is a Transparent freebie without any plugins used add your own decoration on it. you can alter the color from white at the end using manual color correction if you want it another color other than white/transparent .
Freebie is only available for two days till the 23rd Feb 2010 after that it will be available in stores

Download has ended
Please note this is program specific - it is designed for paintshop pro only

Here is another Valentine Overlay Freebie..made full size of 12x12 inches in grey scale jpg...I have all my overlays on sale in Treasured Scraps for just 99c for packs of 8 overlays now isn't that a bargain to grab !

Download freebie HERE