What you need:
Adobe Photoshop CS2/CS3/Illustrator
An idea (Sometimes dictionary.com's word of the day is great)
Willingness to see things through.
Step 1: The idea.
So with that and mind, fire up that RAM hogging Photoshop, and make your computer stir, this could take awhile depending on complexity and access of tools. Having a pad for this is great, but a mouse works just as well.
So with Affray in mind, it's time to start the Fire & Ice deck.