Originally Posted by wmmk 
Ok, I'm trying this and my results are getting better with every detail you add. Many thanks, Ben!
If one layer is desaturated, should it be the bottom, middle, or top layer when blending?
Thanks again,
Will
You know, I haven't really noticed. I also often have just one B&W layer and the other two, one being the original and the other duplicate in colour. Play around with it. The colour layer the more saturated it will be. Don't forget the "Fill & Opacity Sliders". Mine usually end up about 60-80 for each...