Bill - yup thats the way I do it, but I do the loooooooong handed way (as not got photoshop installed on here currently - I have to use Paint Shop Pro 7 and normal MS Paint

) Cut the car out using freehand lasoo thing, lift it off pic, then arty-farty the backround, then paste the car back in again. Then apply borders etc in MS Paint, then layer with text, other pics etc

Thats why my sigs take so long