I've mentioned before how much I LOOOVE Picasa3 from Google... it's FREE photo editing software... did I mention it's FREE? Anyway, it's a good basic photo editing program, and has a small learning curve. Anyway, they have this collage feature which I played with today, again taking some of my favorite pictures from 2009... This was the result... the only thing I didn't like was I couldn't edit how they cropped the photo.