Post Edit: To make my Valentine's graphic, I created a Photoshop file that was 640px by 640px square. I then used the circle shape tool to draw one circle (then repeated it using the "Option, click, drag" method, and aligned all the circles with the align options up top). I adjusted the color of each circle in the hue/saturation palette. I used a clipping mask for the photos to fill the circles with our faces. I found a heart graphic online that I lightened to make totally white. And then just used the type tool and trusty Helvetica for the rest (hint: I rasterized my type, and then selected each letter with the Marquee tool, in order to move the letters to their circles). It took me about 20 minutes. Not terribly hard if you have a basic understanding of Photoshop. All of these terms and techniques can also be Googled for tutorials.