T-FX is a Photoshop plugin that has 50 backgrounds you can use to build images. It also does 30 fantastic edge effects, 16 creative text effects, the distressed look, the fake embroidery look, a novel puzzle effect, the 3-D Latent Image effect and much more. It works on MAC or PC.
You must have Photoshop 5.0 or higher to use T-FX. It will not work in the consumer version of Photoshop Elements. There is no free trial with this software. You receive a CD and installation directions.