I think I said it a million times already, iPhone rocks! Here is a new app - WordFoto - which turns your photo in a really cool poster-like image. Even SPs become a ton of fun. The application has presets, but also allows you to create your own templates, using different colors, styles and everything else. I didn't have much time to play with it, but I am planning to. Two in the comments are "custom-made" templates, not presets. Fun.