naw, that means i got to go wip out my tutorial DVD and books, i'm too lazy to read right now haha.
http://iit.bloomu.edu/vthc/Photoshop...ts/opacity.htm
found u a link, that might give u an idea of how it works. photopshop is a really fun program to use, u should just learn the basic, it's really cool.
what are u making the banner for? there's a tons of effect/layer styling u can do as well as fonts, if it's not too complicated i think you'll just need to do some really really quick reading and it'll be fine.
i think that small tutorial should do it's job, however if u want it to be more refine, read up on masking, it'll help u with creating curves instead of straight up line cutting like the tutorial (u can actually do curve cut instead of straight cut like in the tutorial), the small stuff is up to you, by default photoshop has craps like leaves and flowers and stuff like that, additional images will have to be find somehwere else.