Thanks for your offer to help. My trial version of Affinity expired yesterday. Haven't bought the full version yet. Will get back to you if I do.
Basically I was trying to follow the procedure I used in Photoshop CC. I ran into problems in step 5 and never could move on steps 6 & 7. Below is how to do the technique in Photoshop CC
Making Specialized Masks From Colors In PS CC
1. You can exaggerate colors to select tarnish on a photo by making a Hue/Saturation adjustment of +70 or more.
2 Next look at the channels to see which one shows the damage best. Then use Channel Mixer on the RGB channel to subtract the cleanest channel from the most damaged channel. You do this by checking the monochrome box and then cranking up the dirty channel to 200 and bring down the clean channel to -155 or more.
3 Once you get a good mask, convert it to Grayscale (menu bar – Image, Mode, Grayscale and choose Flatten image). Save the image.
4 Open the original image again and the grayscale image. On the grayscale image, select all and copy.
5 Select the original image and add an alpha channel. Click on the alpha channel, select all and then paste the mask into the alpha channel.
6 Go back to the layers panel & click on the image layer. Go to menu bar – Select, Load Selection. Choose the alpha channel and check the invert box.
7 Next add a Curves adjustment layer and use the eye dropper to click in the photo where the tarnish is (hold Shft & Alt key down to place a point on all three channels). Adjust each channel to darken and get rid of the tarnish.