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Photoshop Elements is inexpensive, compared to other programs and will allow you to lay everything out, but you can do it without a specific program. If you just have Word, or Powerpoint or anything that will layout text or put color blocks, put a background and put the text how you want it, print it out, paste the photo in place, take it to Kinkos and have them copy it on glossy cardstock. It will look completely professional.
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