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First, I took a picture of 2 gold coins and resized it.
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Then I found a picture of a heart drawn on a sandy beach and cropped it into 2 patches... |
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...into this |
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and this |
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And then I tiled the first image of the heart with the sand patch, with the latter repeatedly to create a banner sized image. |

I used the Magic Wand Tool in Photoshop to select and crop out the coins, then placed them on the heart. |

To create an effect where the coins are partially buried in the sand, I selected and cropped out a patch of the sand from the same location in which the coins will be covered. |

I then detailedly place the patch over the coins. |

However, this isn't done yet! The theme of the site is on COPPER coins...hence the domain www.twocoppercoins.org. So, I added several effects to give the coins a copper tone.
First, I used color fill under Effects to give the coins a Hard Light effect with an orangey color.
Second, I added with the Color Opacity of 27% to the coins. |

So here we have it, the final version of the banner requested by the client. |

But wait, there's more! I felt that it would add a neat effect to the sand covering the coins by Feathering them together. So here we have an alternate version of the final product. |