I can change them to black-and-white, enlarge, shrink, enhance the color and contrast, crop in creative ways, and much more. I can also apply all kinds of filters, borders, spot coloring, remove blemishes and distracting elements, combine two or more photos to get the best smile on everyone in a large group, add or remove people from a group shot....it just goes on and on.
The layout above used just one photo. I took the photo, enlarged it, changed it to black and white, and used it as the layout background. Then I used the same photo, in a smaller size, cropped it into a circle, and blurred the edges. Then I simply added the text.
It's always been one of my favorites.