I cannot take total credit for my header..
In the November CK, "Dear Lizzy" column (pages 105-106), Elizabeth Kartchner gave directions how to do this.. using traditional scrapbook supplies and PhotoShop (someday!!!).
I used my supplies, made it 8 x 2 1/2 inches and embellished away!
I scanned it in to my pictures at 300 dpi, and saved it, then re-sized it to 650 x 250 pixels.
I went into my Layout tab, clicked on the header, and uploaded the desired file. Saved the changes. I already had my template set to "Minima", which you have the option to do black or white, and changed my font and outline colors to match..