Anna Aspnes :
ArtPLay Palette Summer Breeze *NEW*
http://www.oscraps.com/shop/product.php?productid=43951&cat=383&page=1
Summer WordArt N2 *NEW*
http://www.oscraps.com/shop/product.php?productid=43950&cat=383&page=1
ScriptTease Summer Overlays N1*NEW*
http://www.oscraps.com/shop/product.php?productid=43949&cat=383&page=1

For this page, I started with a brush that I've clipped a blue paper and transfer. Below, I've added two other transfers and the frame. The photo is blending in darken mode. I then added a ScripTease overlays that I adjusted the size of the frame and a wordart colorized with a solid paper.