Not aiming for any artistic masterpiece, but testing a new technique I just learned on the Retouching Forum. Read about it here: http://forums.dpreview.com/forums/read.asp?forum=1006&message=10170236
Before I learned this fact (that you could paint on an adjustment layer with black to bring forth detail from the layer below and white to cover it up again), I thought you had to have a layer mask on the layer. This works with Photoshop and Elements. I hope someone will test this with Paint Shop Pro.