How do I use layers and masking in pse 10?

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QOTD from Amy: " I think that I am either having some trouble or getting confused using my layers and masking in pse 10. I don't think I'm doing it correctly. Some of my elements (ie Cayden Lane set, and Follow your Art set) aren't working right and I'm wondering what I'm doing wrong. Anyone direct me where or how to do these correctly!?"

Beth: When masking be sure to click on the white/black box in the action. Then use the opposite color(with brush tool) to mask what you want/don't want.

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