Thanks for the assistance, but I'm such a newby I don't know how to do some of the steps listed. In step 5 I don't know how to Shut off the visibility of the Background layer. I think I need to read more books on elements and experiment until I figure it out.
In the Layers palette, where is says "Background Layer," you should see an eye icon. Click on this to toggle off/on. Feel free to repost if you need additional help.