(2) Copyright on photos from web

In terms of the copyright, as long as you use the images in your own creations, it falls under the Fair Use doctrine (in the US):
http://en.wikipedia.org/wiki/Fair_use

and you have quite some freedom to use the images to create collages.  Printing them out may be more of a problem, so if you're using clearly copyright material, we would refrain from printing it out or selling it.

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