What graphic program are you using?
Just as a reminder, the cover collage will be be made up of the pictures submitted that aren't in the top 12.
I was playing with the one in the link of my earlier post (
http://www.aolej.com/mosaic). After using that, I took the resultant images into Photoshop for the text (still only using PS6.0, but it does the job). Considering the purpose of the cover (using the remaining images), I don't think a mosaic image would work as they work best when using as many images as possible, but you may enjoy playing around with that program (these are my first attempts with it, and it seems decent, though I was having trouble getting it to mask the text properly, so I took the second and third images back into PS and filled the text and the background using layers).