Following is my updated procedure list.
1. Open image SAVE AS to work file in BMP extension
2. Adjust Auto Levels correction
3. Adjust Auto Color Correction (if needed)
I do smugmug corrections here - if desired as well - with this link -
http://www.smugmug.com/help/skin-tone
I do a SAVE AS of colour file with b & w in file name here and SAVE
I make b & w image with SATURATION TOOL - sliding SATURATION SLIDER to "0" (Zero) here and SAVE
Colour/Black and Whte to Finish
4. Resize and (Crop if needed) to 72 dpi at 600 X 400 pixels for posting
5. USM
6. border
7. add initial
Following is an example using these notes.
Norm D