Put the layer on the top ? but under the Adjustment layer. Turn layer Opacity Fill\Opacity =19/92 and use these layer styles.

Result:
And now it's the final step ? just select the area and use the same step ? Layer via copy from background.
Fill it with black Using Layer styles and position it here in the bottom.

Result:
And now it's the final step ? just select the area and use the same step ? Layer via copy from background.
Fill it with black Using Layer styles and position it here in the bottom.
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