1. A digital memory containing a plurality of different modification files for modifying a captured electronic image, each of the modification files comprising: (a) a template including an opening; and (b) processing control information which instructs a processor to form an output image by: (i) generating a background image showing a portion of the captured electronic image, (ii) applying the template over less than all of the background image; (iii) generating a modified version of a section of the portion of the captured electronic image; and, (iv) overlaying the opening with the modified version of the electronic image.