KerryMac is the closest to being right in here. To sum this up quickly, this depends on your version of photoshop, a ps pdf will save all layers if you check the layers option when saving and will be readable in many other formats and platforms such a acrobat reader. A psd file is only editable and readable in ps and a few limited programs will convert. If you want the ps pdf to be just a standard compressed pdf you will need to distill it in acrobat distiller. (so if your version has this option use either and "save as" for other users specifications)
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