You can download it here. Next apply Filter Factory A Pool Shadow filter. I used the following settings for the pool shadow. You can download Filter Factory A here. If you don't have blade pro just right click on the image below save as, and save to your hard drive.
Flood fill the border with the gold-glitter tile.
Add another border of 12. Using the color picker, pick 2 contrasting colors from the image. I flood filled the border with a light green. Put the floral texture in your textures folder in Paint Shop Pro. I then selected all and applied a cutout effect using the following settings.