There is a range of resources for the photographer in my Divine Shop. These include card making files, adjustable paper files and album files.
These are mostly files that are in PSD format, and made of adjustment layers that then allows you to turn elements off or on, and change the colours to suit the photo that you are using.
For example, this paper pack consists of 1 psd file, however you can adjust it in infinite colour combinations to suit you.
This album file is again a single psd file, but has multiple folders contained in it with base pages for a 12×12 album. You can alter colours and turn on and off elements as you choose.