Beginning with an Artsy Template from Anna Aspens I changed the placement and sizes and number of photos.
Layering papers, elements, transfers from AASPN ArtPlay Palette Sea Life was next.
https://www.oscraps.com/shop/product.php?productid=44332&page=1
AASPN Summer Word Art
http://www.oscraps.com/shop/product.php?productid=43950&cat=397&page=3
AASPN Sea Sprinkles
http://www.oscraps.com/shop/product.php?productid=44330&page=1
AASPN ArtPlay Palette Joyful
http://www.oscraps.com/shop/product.php?productid=46647&page=1
AASPN Stained Scribbles starfish