Please don't let the length of this tutorial deter you from trying it.  It's actually very simple to do, but I  have a hard time figuring out how much to explain so I err on the side of caution.  I hope that the depth of explanation I try to achieve in order to explain what I'm doing  will make it easier for the novice user of PSP to follow, as well as for those more experienced.

PLEASE DO NOT CLAIM THIS TUTORIAL AS YOUR OWN WORK.  IF YOU WISH TO USE IT FOR A GROUP PROJECT, PLEASE EMAIL ME FIRST.  DO NOT UPLOAD THIS TUTORIAL TO YOUR OWN OR ANY OTHER SITE FOR OTHERS TO WORK FROM.  IF YOU FEEL THAT SOMEONE MIGHT ENJOY IT, PLEASE OFFER A LINK TO THIS SITE .  THANK YOU!

You'll need the following for this tutorial:

Paint Shop Pro--I did these in version 7, but I'm sure they'll work in earlier versions.  You can download a fully working evaluation copy here.

Bell selections--download here.  Unzip to your PSP selections folder.  If you don't have one, create one now.

A lace pattern--I've included one in the zip file, but you can use your own if you prefer.  Unzip the lace pattern to one of your image folders.

Blade Pro--you can download it here, and a gold preset.  Or you can just use a metallic effect in PSP if you prefer.

Note:  I didn't include selections for the ribbon since I thought you'd have fun creating your own.
There are several tutorials for making ribbons, one of which can be found here.   If you go to the link provided, make sure to check out Wompie's other tutorials.  She has some great ones!  I've also given a quick run through on how I made my ribbons at the end of the bell tutorial.

Note 2:  At several points throughout this tutorial, I refer to 'setting up' your tools.  Once you've chosen the tool you're going to use, click on your tool options icon  to load a window in which you can set up the way you want the tool you're using to work, unless your tool options panel loads automatically when you open PSP.  Depends on how you have your preferences set.

OK, let's get started!

 1.  Open a new transparent image, 287x396, 16 million colors.  (I know that sounds like a weird size to begin with, but it has to be this size in order for the selections to place themselves correctly.)

 2.  Add a new layer, and load your bell selection.  'Selections/load from disk', and open the 'bell.sel' selection you downloaded.

 3.  Set your foreground color to white, click on the flood fill tool , and flood fill the selection, as shown below.  Deselect...selections/select none.

 4.  Click on your 'magic wand' , and click inside the outline to select the empty area.

  6.  Open your lace image, and go to 'edit/copy'.

 7.  Go back to your bell outline image, which should still have the 'marching ants' around the inside of the outline, and click on 'edit/paste/paste into selection'. 

and this is what your bell should look like now.  Do not deselect.