I've used Scrappy's Sketch #57 over on Bugaboo Stamps "Catch the Bug Challenge Blog" to format this card. It is quite a clean n simple sketch so I combined it with a few Christmas challenges. I can see now that I should have inked the edges of the panels to make them stand out more. The papers are from DCWV "Summer Dream", but I think they work fine on a christmas card :D The sentiment panel and poinsetta flowers are from Anna Griffen.
I am entering it in the following challenges;
Bah Humbug#36 "Text"
Winter Wonderland# "Monochrome"
Just Inspiration#12 "Christmas"
Ooh La-la #63 "Sentiment as main feature"
and of course Scrappy's Sketch Sunday