The FX Illustration will teach you how to create multiply layer effects with layer styles and how to use Layers to draw!

Begin by creating a new doc and layer set.



Select round a re using Elliptical Marquee Tool (M).



Copy the layer from Background using Layer via Copy Command.



Fill the selected area with rounded average black to white gradient.







Do it again.



Select little round area on the top, using the same Elliptical Marquee Tool (M).