Unexpected results using fx on multiple layers

Question

Creating photo frame mockups I ran into a problem. I'm applying fx on a number of layers to build up the desired effect but I can't figure out where I'm going wrong with the 3rd layer and can't see fx from the 2nd layer underneath...

Here are the layers starting from the bottom:
Images below

Background colour

Layer 1 - artwork includes a white border added to the canvas and no fx
Layer 2 - White window mount (Mat / Passe-partout) created with a thick stroke to cover the below white border and fx applied to create depth using inner shadow - more obvious down the right side of the picture

Layer 3 - fx to add the frame: stroke, bevel & emboss, inner and outer shadows

Layer 3 is where it all goes wrong - it appears to be showing the image from the smartobject file and doesn't show fx applied in Layer 2. I've tested with an fx on layer 1 and this shows when layer 2 is visible but no fx from lower layers shows through when layer 3 is enabled.

Each layer is a copy of Layer 1 (smart object) and I'm using latest PS CC update

My photoshop experience has been for landscape photo edits. I'm no expert with the rest of PS! TIA

mwgo · Accepted Answer

Thanks for the suggestion - you've pointed me in the right direction. The fill was set to 100% on layer 3 and 0% on Layer 2 - that's why fx were showing through from layer 1 to layer 2 but not layer 3. I appreciate the help.

c.pfaffenbichler · Answer

Could you please provide the file or at least post screenshots with the pertinent Panels (Toolbar, Layers, Options Bar, …) visible?

Each layer is a copy of Layer 1 (smart object) and I'm using latest PS CC update

So wouldn’t they by definition cover the underlying Layer/s?

Or are they set to Fill 0% or …?

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