Made with the
ON SALE ArtPlay Ordinaire Collection.
There are two different foreground beach photos. These are blended using masks from Framed Masks No 6 (duplicate and tailor to the photos).
There is a 3rd photo, of surfers, in the background, set to Overlay mode.
Added two circle frames from the ArtPlay Palette, then Transfers and MM. Title is from the word art in the collection.