Credits:
ArtsyTransfers MiniBiblio https://www.oscraps.com/shop/ArtsyTransfers-MiniBiblio.html
Artplay MiniPalette Biblio https://www.oscraps.com/shop/ArtPlay-MiniPalette-Biblio.html

Process: I started with a solid paper from Artplay MiniPalette Biblio. I then placed four transfers from ArtsyTransfers MiniBiblio. I added the photo to the right side and placed it under the transfer layers. I duplicated it twice and set different blending modes to all three layers. I added a mask to the first photo layer and adjusted the size of the photo to the frame layer in that transfer. One of the transfer layers (white) covered the photo and I used a mask on this layer to reveal parts over the people faces, bodies and windows to get more contrasts. I also duplicated the stain layers to get more saturation to the layout. I continued and placed brushes, embellishments and transfers from the Artplay MiniPalette Biblio and finished the layout with the title/wordart.