I started with Christmas Magic Artsy Paper 3, added Framed Mask 11-5, adding a gold glitter layer style to the overlay layer, and clipping photo to the mask. From Christmas Magic I added: Poinsettia Overlay also with a gold glitter layer style, Paint Splatter 2, Star Gem, Label Word Twinkle. From Silver Bells ArtPlay Palette I added Art Stroke and silver bells element. Embellished with Christmas brush, Evergreen FotoBlendz 2-1 'evergreen' layers, adjust hues to gold and blend mode multiply, Holiday WordART Cluster 1-3, adding gold glitter layer style to "HEART", and Fruehling Paper Texture 1 (change hue, with blend mode Linear Burn), finished with title in gold glitter.