This is for this week's Sketch Challenge on SCS. The only thing matted is the sentiment panel, there's no embossing, and there's no embellishments or ribbons. I wanted this to be a flat card for easy mailing. I think $.44 is enough to spend to send a Christmas card! I used "Bells & Boughs" for the main image and "Angelic Joy" for the sentiment. The base card is Cherry Cobbler and the DSP is "Deck the Halls". Check out the Holiday Mini for the stamp sets and the DSP. Everything here is from Stampin' Up! Thanks for stopping by!!