Okay, it's just more about designing spaces and learning Photoshop. Good news after about 12 hours, I managed to figure out how to change the colors. Adobe felt that everyone already knows that, so didn't bother leaving any instructions.
So what is this? It's about 9 layers of images.
In the real world --see that image of the zeppelin?--we'd call that a stamp. In the weird world of Adobe, they call that a brush. There are just some things you have to accept.
Geeks world-wide spend their time making these "brushes" for other people--me--to use. There might be 50,000 of them on the internet. Sometimes you get them in sets of hundreds. They divide and multiply like paramecium.
I'm going to make my own set. Garden Ornaments.