How to add frames to photos?

Let's make a nice border around this lovely lady of 250*166 pixels.

First we add a black border of 2 pixels around the whole photo.

  

Secondly I added a 5 pixel border with a grey color of 225,225,225

  

Then I added a border of 25 pixels of the same grey color to the bottom alone. Such a space underneath is ideal to put text into.

  

And finally I did put a 2px black border all around to give a better display against the white background of this webpage.