Less is more ...
For this challenge I've made my original photo (from my horse in the snow) lighter, hue the saturation and lower the contrast.
Then I've placed an artsy paper of ArtPlay Palette Zombie http://www.oscraps.com/shop/product.php?productid=31893&cat=387&page=1 on top of the photo and blend it with linear burn for 60%.
I've placed an artstroke from ArtPlay Palette Embrace Life http://www.oscraps.com/shop/product.php?productid=32623&cat=387&page=1 between my photo and artsy paper. And wrote Glossy 2012 with CK Becky on top of it.
TFL