I'd completely forgotten what my software is capable of doing to the photos themselves. Most of the effects I do not particularly like, but I absolutely adore the Sepia effect. So this is Number 4 with this same photo using a Sepia effect.
Gorgeous sepia tones on this.. with the word art it looks straight out of the movie "It's a Wonderful Life" or maybe a scene from the "Homecoming" from the Original Walton's movie! Gorgeous! Well done take on the challenge! (all 4 renditions!!)
I agree with Linda and Christa, the sepia effect is just wonderful, also your clean and simple design. Your layout could be an old calendar sheet for december. Nicely done.