The best way to do a quick page is to Add a new layer and drag it to the bottom of the palette, it will be transparent. Then make a selection of the area where the image goes and delete the area on all layers. Make the transparent layer action and then add your image. It will be behind your frame area and easier to use the Transform tool to ressize
Kim My Creations Canon 40D, Canon 28-135mm IS lens, Canon 300D, Canon 18-55mm lens, CS3