Thank so much for your for your response. You did offer some helpful thoughts. I don't use Affinity Photo. I have watched the tutorial that you suggested, and it actually DID lead me forward in what I'm looking to do. I have watched most all of the videos, and some of them several times, each. The photo I included in my post was not from a sample, but a screen shot from one of the tutorials, so it gives no sequence of construction. I will take a look at the rest of the ideas you put forth.
Yesterday, finally, after many tries, I was finally able to create this. I am pleased with it, but my technique still needs more work. The 'glass' needs to be more sparkly and shinier. I only hope I can duplicate what I've done so far. Thank you for your time and suggestions.
I posted this and my attachment doesn't show...so apparently I don't know how to do that, even though I did it before.