Scott, I am sorry I was not clear but since I dont know what you call what I want to learn about it makes it difficult.  Let me try again.  I am looking to make templates for album/book pages wher eyou can have places where you add images behind frame areas?  Possibly called clipping masks????  Not sure  Some of the designs are pretty fancy.  There is a transparent area to insert an image under a pretty frame area.  Does this help explain it better?