I live in Atco New Jersey and this is my hometown postcard. The lake is about a mile from my house and the images pasted to the text are all photographed in and around my house.

To the text I added outside glow and bevel and emboss. After filling in the background on the right a transition from the photo of the lake was needed. Drop shadow was applied, however, I played with the different contours and found this one that made a nice roll detail.