Appreciate the comments! As much as the worth of the layout is a very subjective matter, here are few comments:

I can take PayPal so that should be no problem. (fact) As for the file format, XAR is in many ways superior to PSD when it comes to DESIGN. PSD is superior to XAR when it comes to photo editing. (my 2 cents)

The coding is included in the price. (fact)

Thanks!