These overlays are the result of pairing together some of my journal page backgrounds with some urban stuff added in. There are 6 full-sized (3600x3600) overlays and that have been saved as JPGs at 300 dpi.
These overlays are ok for commercial use along with S4H, S4O, and Personal Use friendly. You may also use them for creating freebies.
No credit required for the use of these items, but it's always appreciated.