Tutorial - Creating a water droplet style
We want to distort the water drops a little to make them look more natural. Go to the filter menu - distort - and choose wave. Play with the sliders and watch the little preview window. You want them distorted slightly. Then click OK when you think you've got the right settings for your water drops.
Next, double click just to the right of the name in the drops layer. (or go to the FX button at the bottom of the layers palette and choose Blending Options) Set the blend mode to Screen, with the opacity at 100%. Your water drops will look like they've disappeared. But don't worry, they are still there.
Next, click on the check mark for drop shadow, and then click on the words "drop shadow" to see the options. Make sure the blend mode is Multiply and set the opacity at 30%. Make sure the angle is 90 degrees, and the Use Global Light is checked. Set the distance to 5. Set the spread to 0. Set the size to 4.
Next, click the check mark next to inner glow, then click on the words "inner glow" to see the options. Make sure the opacity is 23%. Set the noise to 0. Change the color from white to black by clicking on the small white square, which will bring up the color picker. Set the other settings as shown in the image above if your settings are different.
Now we really start to make the water drops pop out by adding highlights. Click the check mark next to bevel and emboss, then click on the words "bevel and emboss" to see the options. Style is inner bevel. Technique is smooth. Depth is 71%. Direction is up. Size is 13. Soften is 0. Angle is 90 degrees. Use global light is checked. Altitude is 72 degrees. Highlight color is set to white, Normal, and its opacity is 100%. Shadow Mode is set to Lighten, the color is also white, the opacity is 90%. Again, check your settings with the image above.
Finally, let me show you how to save these layer effect settings as a style. Click on the New Style button in the dialog. Be sure both check boxes are checked. Give your style a name (I named mine "Water Drops"). Then click OK. Now this will be a style in your styles palette that you can apply to any layer with a single click.