I seem to be partial to 4-frame clusters - this one from the new FotoInspired Template Pack 3H, page 3 on the right, with most of the masks removed to let the large background photo show through (blended with Summer Template Album pg 8, duplicated 4 times).
On the left FotoInspired 3H page 2, again many of the masks removed.
Background/transfers from On Sale Ochre collection.
MultiMedia Flowers 6 (from Ochre Collection) plus 3H elements, many recolored, arranged in a visual triangle.