Ripple Applet
 
 
 
 
 
 
No Java Support
 
 
This is the image ripple. Download the zip. I used 2 pictures for this effect. The title was created as a transparent GIF
"phantom.gif"  and then placed on top of the backgroung pic which is "back.jpg" You don't need  to have the title for this effect. It can work with just a single picture.