While looking for a book dealing with subject, I found this link in an article a lady had written on the subject.
For those who want to try it for learning purposes, I will offer the link
http://www.matshop.com/matomatic/matomatic.php
I am able to use this in conjunction with my art program mats and frames. Or it can be used by those who do not have any frames in their P C art program - if desired.
The image is a sample result from the program itself all the way - not a copy of the one posted in the Gallery.
Norm D