@ Crowkenobi: These are better. Although the last Hinagiku picture looks a bit too big, every other picture you did was perfect.
@ hinakatbklyn: I think I found the problem. Try this: go to Borders. Then, go to bottom fill. First, look at the Fill, the one near the percentage. It should say 75%, but I think you put it up to 100% by accident. Then, double click on Bottom Fill; Layer Style should pop up. Go to Inner Glow. First, check to make sure that there is a check on the box. Next, find Opacity; it should be at 60%. When you are done, press OK. Your template now should have the lower black box transparent with an inner glow.