Setting up a Desktop Background

I click on start and then go to control panel and then personalization.

But when I pick my picture I want to use then at the bottom there are 3

choices of layouts : 1. all over pic 2.checkerboard pic 3. center pic

with color on the sides

It does not matter which one I pic all it does is take my pic and

stretch it where it cuts part of it off. What do I need to do to get it

to apply the correct way???? Please help me!! Thanks!

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mommy2two07