ArtPlay Palette Sol https://www.oscraps.com/shop/ArtPlay-Palette-Sol.html
MultiMedia Suns No. 3 https://www.oscraps.com/shop/MultiMedia-Suns-No.-3.html
Shine WordART Mix No. 1 https://www.oscraps.com/shop/Shine-WordART-Mix-No.-1.html
Artsy Layered Template No. 250 https://www.oscraps.com/shop/Artsy-Layered-Template-No.-250.html
ArtsyTransfers Sol https://www.oscraps.com/shop/ArtsyTransfers-Sol.html

Inspiration -The colors of APP suggested a sunny day
Start -Started with Artsy Layered Template #250
Photos - I choose three photos of surfers. I attached them to the masks in the three frame groups using Layer>Create Clipping Mask. Then I duplicated the middle photo. I added a mask to the copy and using black on the mask I covered all but the white of the wave creating and out of the frame affect. I moved this copy above the frame layer to complete the look.
Paper- I used Solid Paper 5 placing it above the background layer
Template Layers - I colored most of the layers of the template with blues to mimic the colors of the ocean.
Multimedia - I placed Multimedia Sun 3.2 above all the layers an amongst some of the white layers
Title - I loved the wood word Fun as the surfers were certainly having it. I added a drop shadow to the word.
Elements - I chose the leaf and the flower and placed them around the title