Now we are going to do the fingers individually as I created them with vectors separately.  So we will do the following steps for all ten fingers on individual layers.  Add a New Raster layer and name it left index finger and Load from Disk > lt_index_finger.sel and floodfill with #A76507 and Selections > Modify > Contract by 1 > floodfill with #F0CFA0.  Deselect. Continue doing this until all ten fingers are complete and yours should look like mine:

And your Layer Pallet should be in this order so far:

Now would be a good time to take a break...get up and stretch and grab a drink and snack.  

OK....all refreshed...now let's get started with his shoulder bars.

Add a New Raster Layer and name it left shoulder bar and Load from Disk > lt_shoulder_bar.sel.  Now open up my left shoulder bar.psp and go to Edit > Copy than go to your image and Edit > Paste into Selection.  Deselect.

Add a New Raster Layer and name it right shoulder bar and Load from Disk > rt_shoulder_bar.sel.  Now open up my right shoulder bar.psp and go to Edit > Copy than go to your image and Edit > Paste into Selection.  Deselect.

This is what you should have thus far:

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