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Photoshop (here is one way):
Set your foreground color to the tan color. Create a new layer. Use the pen tool set to fill mode to draw the shape you want on the new layer. Then use the inner shadow layer style on the layer for the shadow.
For the white part, select all, then edit>copy (not copy merged, just copy). Create a new layer UNDER the tan layer. Then paste your copied shape into the new layer. Use a layer style to color overlay the layer with white. Then select the move tool and press the arrow keys to move the white layer out and up. Once the white layer is in place, do filter>blur>gaussian blur and set the radius rather small (maybe .5) to soften the edge of the white shape a bit.
I hope I didn't make any mistakes there. I didn't actually do all this while writing it. I'm just doing it all from memory.
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