Here are the two covers I came up with. They are both identical except for the image on the cell phone. One is a man, one is a woman.
The first cover is the one I made first. I wanted to go with a man's torso, because it is an erotic romance aimed at women. However, the only good image that I found of hands on a keyboard that I really liked was that one that I chose, which looked to me like a man's hands. So I thought it might look weird having man's hands next to a cell phone with a man's picture on it. So I chose a woman instead.
But after printing out the picture in 8x11" size, I realized the hands might actually be a woman's, but with short nails. And I really want a man, because putting a picture of a woman's boobs on there makes it look like I'm trying to draw in male readers. So I added a guy, and I think this is the one I'm going with.
The red bars across the page were made with a flowery background because I wanted to soften the look and make the cover look more feminine. That's also why I added the swirly "S".
I hope they look as good as I think they look.