I found this quote while researching how to do something with Photoshop. Your post made me think of it.
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Question:
Hey, how do I create a grey rectangle with a black line border, on Photoshop CS4?
Answer:
I would just create two layers, one black, one grey, and then use the select tool to select most of the black one (leaving a border) and then delete it
http://www.thestudentroom.co.uk/showthread.php?t=839800
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I mean isn't that ridiculous?