The bottom BG panel is scored every 1/4" with my Fiskars trimmer using the scoring blade. The top BG panel was embossed with the swiss dots folder. Each layer is framed with gold cardstock -I love this stuff, it is retired from Creative Memories. The scalloped circle was cut with my flowers CB die cut and I used Riveting for the sentiment. I didn't like the Christmas tree that came on the stamp, so I stamped a tiny flourish from my Crafty Secrets Rosy Wishes set. The striped organdy ribbon and brads from Pinkhedgehog Papercrafts.
Stamps - Riveting, Rosy Wishes
Paper - Artichoke, choc chip, gold, vintage cream from PTI, misc SU DP
Accessories - gold brads, ribbon, circle punches, swiss dots, flowers die cut