16. Duplicate the layer that has the tree pattern and inner shadow on it. Remove the inner shadow. Change the pattern to a black and clear vertical stripes pattern. If you do not have a pattern like that then here's how to make one: Create a new image 4 pixels wide by 1 pixel high with a clear background; grab the Pencil tool and the 1 pixel hard round brush tip; zoom in to 1600% and place two dots on one side of the image and leave the other two dots clear; edit - Define Pattern. Back on our layer set the Fill of the layer to zero. Create a new layer and move it below our lines layer. Link them together. Click back on the lines layer. Hit ctrl + e to merge them together and thus removing the layer style in favor of a layer that we can edit. Click on the Move tool and on the keyboard hit the Down Arrow 10 times. Filter - Blur - Guassin Blur = .5. Move this layer below our tree pattern layer. See Pic 16.
17. Put in some basic towns by first drawing out some horizontal lines. It doesn't matter where they are or how close together they are. Turn these lines into rectangles and then put triangles on top of them and now you have some small huts. Grab the Brush tool again and put in some smoke coming out of the roofs. The important thing here is to make the lines on the right side of the huts thicker to make it look like they are in shadow. See Pic 17.
18. Create a new layer and move it below the hut outlines. Use the brush tool to color in the shapes and then set the opacity of the layer to 50% You can go lower if you want. See Pic 18.
19. Click back on the very first layer that we drew that has the continent outline and mountains on it. It should be named Layer 1 unless you changed that. Grab the Magic Wand again and click in the ocean. Select - Modify - Expand = 2. Create a new layer and fill it with black. Set the opacity of the layer at 20%. See Pic 19.
20. This step is the longest. On the layer stack, hold down the ctrl key then click on this layer to load it as a selection. Select - Inverse. Select - Modify - Expand = 20. Select - Feather = 20. Create a new layer and fill it with black then deselect. Set the Fill of the layer at 0. Apply a layer style of Pattern Overlay using a pattern of black and clear horizontal stripes (if you don't have one like this then do the part in step 16 but make the image 1 pixel wide and 4 pixels high). Create a new layer and move it under this layer then link them together and click back on the above layer. Hit ctrl + e to merge them. Filter - Distort - Ripple = Medium at 100. Filter - Stylize - Wind = wind, from right. Repeat the wind but from the left. See Pic 20.