This is how I paint using Photoshop. Way, way different than the way i painted using Corel Painter. I used to flood fill a background and pull the light colors out like traditional painting, but now I have each element on its own layer, so I have to work one piece at a time and then blend it all together in the end. Notice how I have my references strewn all over the place.
Jansen 88' Special!
88 will get you to the future, but 87 will get you a ticket.