Problematic image is NOT transparent.

[lawrenceb54164657]

What's with an image, presented with a gray checkerboard- perpetrating as being able to be used as a "frame"- but, when you download, it is, indeed, inclusive of an opaque checkerboard (blended INTO one single layer).
I wasn't wasting time isolating out elements (that's not why I pay for stock!)- so I had to burn ANOTHER credit to get something that I knew would work (in screen mode- but whatever- it worked.)
I'm angry this made it through whatever QC Adobe had in place for images being added to the Stock collection.  It had, in fact, tarnished the trust I have placed in Adobe for this service.
The image in question is here: 
https://stock.adobe.com/images/snow-frame-frozen-window-window-frozen-glass-ice-vector-illustration/...

[EvilBugQueen1]

Hi lawrenceb...,

Thank you for reporting this. I've granted you a replacement license for the file and will forward this to our content team for review.