Droplets or Morning Dew

1. Take an image of your choice I have taken this one.

2. Make selection with the elliptical marquee tool as shown in the image.

3. Fill the black colour in the new layer.

4. Go to Blending Options and do the settings.

5. Goto Blending Options>Drop shadow and do the settings.

6. Goto Blending Options>Inner Shadow and do the settings.

7. Take the Blur tool and take use these settings.

8. Use the blur tool on the drop shadow area as indicated in the fig. below.

9. Make the gradient and fill it in a new layer as shown below in the image.

10. With the help of Transform tool make it small about 80% and use the blur tool to make it more realistic as shown in the image below.

11. Final image will be like this.

12. For make more attractive make some droplet adjust it as I have in the image.