Guys, guys guys. No need to be sorry at all. It was a quicky that I did when I found the stock photo.
Just remember this, when you are giving c&c don't say sorry. It is your opinion, I wont bash you for it.

Also about the BG, it is actually part of the stock photo. I just smudged it a bit. Then burned and used some of my lighten brushes to create the effect.
What do you think I should do with the text?