I know that for many people working with Photoshop can be simple - but I'm not one of them. It's taken me hours of trying to get my new banner ready. I'd downloaded fonts and couldn't find them using Elements. I then realized that I had to re-boot to have them on my font list, but I didn't twig till much later and gnashing of teeth (slight exaggeration there).
I used one of my paintings as background but changing from portrait to landscape stretched it beyond recognition. So I turned it on its side and cropped it.
So it's up and I'm pleased with the result.