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Jem Settings

Open a new image about 200x200. Choose a medium grey color for your forground. With a dingbat font, make any design. Don't deselect.
With Filter Factory B apply the Pool Shadow.
Apply Image/Other/Hot Wax Coating.
Adjust the color with Color/Adjust/Red,Green,Blue settings; Red=60 to 75, Green=20 to 25, Blue=0.
Now cut and paste your jems. Remember to paste as a transparent image.
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