Go to the Layer named "Outer Circle" in the Layer's Pallet and do a Right Mouse Click over this layer. Go to Blending Options.

Go to the Gradient Overlay Tab and choose these settings:

Blend Mode: Normal

Opacity: 100%

Style: Linear (Check Align with Layer)

Angle: 111

Scale: 100%

Now double click on the Gradient" and use these settings:

(You'll notice at the bottom of the dialog box there are two boxes. One says "Color" and one says "Location"

Click on the lower part of the color bar. The little box will appear. You can then click on this. You'll notice the boxes in the bottom that are called "Color" and Location" are no longer greyed out. Click in the Locations box and Location #'s I have listed. Then double click on the Color box and enter the color Values I've listed,. You'll need to do this for each and every color and location I have listed. This is easier to do then it sounds... honest! :)

Location: 0 = Color FAEA63

Location: 12 = Color D98C21

Location: 25 = Color D98C21

Location: 36 = Color D98C21

Location: 53 = Color FFC737

Location: 66 = Color F7E6AA

Location: 78 = Color FFCCC3C

Location: 94 = Color FEF6A5

Location: 100 = Color ECECA8

When you're done, click ok.

Now click on the "Satin" tab and use these settings

Blend Mode: Soft Light

Color: White (FFFFFF)

Angle: 19

Distance: 11

Size 14

Contour: Using the Drop Down box and choose "Gausiann"

Now go to Inner Glow and use these settings

Blend Mode: Screen

Opacity: 75%

Noise: 0%

Color: FFFFBE

Technique: Softer

Choke: 84%

Size: 21

Range: 50

Jitter: 0

Now go to Inner Shadow and use these settings

Blend Mode: Linear Burn

Color: A66409

Opacity: 40%

Angle: 120 (Check Use Global Light)

Distance: 5

Choke: 0

Size: 139

Click OK.

Now go the the Layers Pallet and go to the Layer named "Middle Circle" and go to the Blending Options (See first steps on how to get there if you need)

Go the Gradient Tab and use thsee settings
Blend Mode: Normal

Opacity: 100%

Style: Linear (Check Align with Layer)

Angle: -28

Scale: 100%

Now double click on the Gradient color and use the same method as mentioned above to enter these settings:

Location: 0 = Color: B6761D

Location: 24 = Color: F4121

Location: 39 = Color: BF7E1E

Location: 50 = Color: AE6F1D

ocation: 65 = Color: B6761D

Location: 100 = Color: F2AF21

Now go to the Satin tab and use these settings

Blend Mode: Soft Light

Color: White (FFFFF)

Opacity: 50

Angle 19

Distance: 11

Size: 14

Contour: Gaussian

Check Invert

Now go to the Inner Glow tab and use these settings

Blend Mode: Linear Burn

Opacity: 26%

Noise: 0

Color: DA8E22

Technique: Softer

Source :Edge

Choke: 0

Size: 158

Now do a right mouse click on this layer and choose "Copy Layer Style"

Go to "Inner Circle" Layer, do a right mouse click and choose "Paste Layer Style

Go back to the Outer Circle Layer and do a Right Mouse Click and choose "Copy Layer Style"

Go to the Layer "Outer Shamrocks" and do a right mouse click and click "Paste Layer Style"

(We're almost done, honest)

Go to the Inner Shamrock Layer and go the the Blending Options.

Use the same exact gradient & Satin that you used for the Outer Circle.

The last thing is to change the layer properties of all the Highlights to "Soft Light as noted in the example above.

Now for your freebie:

I used the tutorial above for the coins in this WA.

Download this freebie here: http://www.mediafire.com/?7c005s8hax0ai9x