You will need to download the zipped file HERE which contains the Selections needed for this Tutorial. You will need to unzip the selections and place them in the Selections folder within PSP - if you do not have a Selections folder, create one in PSP and then place the Selections you have unzipped in it. Add a new layer, name your layer legs . Flood fill your selection with black. Your jacket layer is now active.
Flood fill with a nice, bright red color.
Deselect the area. With the jacket layer active, make a new layer and name it belt . Your belt layer is now active. Flood fill with white. Deselect the area.