This template is actually laid out in a 12x12 inch background so you can do the entire layout in it if you wish. First click on the mask and than drag in the photo you wish to use. In order for the photographs to look correct you must, click on your move tool and at the corner adjust the position of the photo until you have aligned the top edge of the photo with the black mask that is included in each layer, this will give the impression that the pictures are folded. If you would like to change the background matting, add another layer, group them together crtl+g, and fill with a paper or color you prefer. I have made it large intentionally, click layers, merge visible and than resize it to suit your preferences and drag it into your layout.
