As a beginner, I had the same problem when I purchased this texture. PSD layer? I wouldn't know what a psd layer was if it came up and bit me on the bum. Not having Photoshop, etc, I used Corel 8 and worked through the read me file with the item. I now know what to do with a PSD layer, have learnt a bit and have the use of a great texture. Of course, if you had supplied the psd layer already inserted onto a model texture, you would be getting requests on how to separate it from the texture to use on others textures, so you can't win anyhow.