Your watermark(s) will be emailed to you in a zipped .png file, which can be unzipped and saved to your computer then layered over a photo using most photo editing software, or Microsoft Publisher. I'm sorry I don't have any experience with programs other than PhotoImpact 12 and Microsoft Publisher... There are several threads on SCS that cover using watermarks in other programs that I can refer you to; there are also 2 free downloadable programs that I know of, but have not used extensively...
http://www.faststone.org
http://gimp-win.sourceforge.net/
If you do download GIMP I have great instructions from Cindy Keery for using a watermark in that program. Just ask.
As I find links or tutorials for using watermarks in other programs, I'll try to link them here. Otherwise, as long as your photo-editing program has the capability to layer images, handle transparent .png images, and save images as a .jpg file, it should work for your watermark.
