Carolyn,
These styles can be used to put a style onto a paper for background or journaling, or even an element, perhaps. Looks like a colored, burned (as in dodge & burn...) edge. In Photoshop, you choose the layer, and click on the style in the style list. For a thread on this style, look
here. To find out how to install styles in your program, check your manual or online help. Also check
here, and
here.