Mr. Zero

Sorry it went a bit too fast for me.Could you do a step by step for me? I'm casual photoshop'er so I have the basic down but all that with layer mask is confusing me.But thank you for the reply .

Hello everybody. My first post, even though I have been here for some time looking at your great Photoshop tutorials. Outstanding good job, you guys have done!Now I have a smaller request on how to create the blur overlay effect from Vista Program windows.I have tried the most oblivious with creating a rectangle, set opacity to 15% and then apply blur to it. Unfortunately low layers will not be effect by the blur since blur on white does noting.Can someone tell me or point what I'm suppose to do, to get the wanted effect?Thanks