Set the layer opacity on 16%.

19、降低层的透明度到16%

Insert on the new layer the picture having the fringe on it.

20、找张花边图片插入到新层中。 

Make it white with Image -Adjustments -Invert (ctrl+i). Change the layer type on Lighten. Copy several times this layer: Layer ?Duplicate Layer and make use of the next tool: Move Tool to place the fringe in one line along the upper edge. Merge all the layers, containing the fringe, applying Layer ?Merge Down (ctrl+e).

21、点击图像-调整-反相将花边变成白色，同时将花边加亮，将花边多复制几分，把画面的上部平铺满。