The texture added via layers was done with Adobe Photoshop, what I've done here was open a picture in Photoshop of girl in a dress, and what i have done was use the Magic Wand Tool and outlined the dress, once that was done i would copy merge the dress and paste the copy selection and sub-extract, i would open a texture file and use the Move Tool to place where the dress meets up. Now i would clip the texture file to the sub-extract so it would seem the dress has this lace pattern. Then finally i would change the Layer Mode of the texture file to "Color Dodge", and end it off with adjusting the opacity of the texture file to a lower percentage for a realistic effect.