@candycoated - I create the pages digitally. I have recently become addicted to Digital Scrapbooking. I use Photo Shop elements to create my stuff there are TONS of designers out there who give away their designs (for free). These kits include papers, elements, frames, etc. just about everything you would find in a paper scrapbooking store. I haven't printed anything yet, I'm not sure if I want to print the pages to insert into albums or get books through blurb or shutterfly printed, so for now I am just working through my pictures - choosing a picture based on the kit I am working with. Comment over on my blogger blog if you need more information or want some links to some great places (there is one link on the right of my blogger site "The Scrapping Tree" if you want to see more! Hope all is well in your world! ~MandaK