It's nearly impossible to follow in newer versions of PSP, so I sat down and figured out how to make it work in  PSP 9... settings are close enuf for you to follow easily in newer versions.  I've worked thru it with the example above... so it's just writing the tut our way.

I remade the mask, too.  The edges are a little smoother and it won't chop off at the bottom.

 Vetch