Hey thanks for trying !
You are right it probably is a pretty hard one to do. I have little experience with making these I was expecting to be able to just kind of manually drag the pictures around and line them up so I didn't think it would matter what was in them. Next time I will plan more.
Here is what I got out of the Microsoft program. (pretty much the same thing as tanstaafl got)
http://picasaweb.google.com/lh/photo/SQKUTdUZkbak5Q0nuCsq7A?feat=directlinkIt did put all the pictures in there but there is a seam showing and I don't see any options in that program at all.
I will have to try doing one with multiple rows of photos I didn't even know I could do that.