APP_Brumal (paper, overlay, transfers)
APP_deFacto (edge overlay, brushes, paper texture, gold paint, transfers, key, ribbon)
MM Documents No 6
Travel WordART Mix No 2

Process
Using a solid paper I added the photograph and created a watercolour effect using inverted masks and a watercolour brush.
Transfers and overlays from the palettes were added.
Embellishments from APP_deFacto and MM_documents were applied and finally some WordART.
Thanks for looking
Viv