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No, none of them. But you can get Gimp for free as an alternative to PSP, and you don't need FS Panel Studio to arrange the gauges. You can edit the cfg files in notepad instead.
I would suggest you read the relevant FS9 or FSX SDKs on panel design and go from there.
Si

FS Panel Studio for me has some problems. A lot of gauges I've written have code but no graphics, and it doesn't understand them at all, so it ignores them so it throws up errors and doesn't write them to output cfg. And it has no coencept of the FSX Rotorcraft folder. So I am much more comfortable with manually editing the cfg by hand.
Si


As you can see, I have absolutely no problem loading a panel from the FSX Rotorcraft folder...

../\If you are a masochist that is...
Seriously, you cannot possibly spend a better $30 than to invest in FS Panel Studio if you plan to do any serious panel design.
For one thing, FSPS also has the ability to extract/reinsert bitmaps in compiled gauges, which allows some limited "customization" (for your own use!), and also has a fairly nice XML script editor allowing you to customize and/or create XML gauge scripts.

i downloaded the trial and Im hooked!