Sage is right. Here's something I might add. I opened an Outlaw template I had here at work. I'm on a Mac with CS6, but it should be similar to what you see. The attached pic is my layers palette. I highlighted the bottom layer called "Color". Make sure you have that layer selected by clicking on it before putting color in there, I assume with the paint bucket tool. On this template, it's the very bottom layer, so everything else (decals, headlights, etc.) should show up above it. I have CS3 at home on a PC, and it works the same. Feel free to ask any questions, I work in Photoshop on a daily basis.
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