I've been working on this for 3 days! Every time I thought I was done I started changing and adding things! I am gong to surprise her with it at our artists' studio summer party Thursday. It's not perfect but I like it! I had to move things from the edges more than I wanted as the frame will cover 1/4" or so at the edges.
I used PhotoFrame for 3 of the frames and created the other frame effects myself with layer effects -- strokes and textures, and added drop shadows to everything.









