Then to set the frame off from the rest of the image I first selected a small portion (about 15x15) from the "bra" of the mermaid. Then I selected inside the frame, added a new layer, pasted the 15x15 bit into the selection, contracted by 1, deleted the selection, then selected none.  By pasting a small portion of an image into a large selection you get a sort of gradient effect.  I use it for my text all the time instead of using a solid color.  Sometimes I use a solid color but a lot of the times the solid color looks flat and this method creates a more blended coloration.  The border around this message is a small piece spread through a large section creating a random gradient effect.