Anna Aspnes :
ArtPlay Palette Delightful
http://www.oscraps.com/shop/product.php?productid=44210&cat=383&page=1
MagicSprinklez N8
https://ozone.oscraps.com/gallery/uploadphoto.php?cat=1351
WaterColor FotoBlendz N2
http://www.oscraps.com/shop/product.php?productid=44191&cat=383&page=1
Process :
First I applied an artisitc filter to the photo (watercolor).
I clipped the picture (Darken mode) on a FotoBlendz. Between the two layers, I added transfers.
I then added, below the FotoBlendz, a frame.