Not exactly rocket science this one, but I colourised the lesser photos and used an action to pop the bottom one (oh, and used my newly purchased items thanks to prizes from Amanda & Sue. Cheers).

Credits:
Template: TaylorMade Designs, oscraps.com, Stacked Up Template
Paper: Vicki Stegall, oscraps.com, Just Breathe freebie
Stitches: Amanda Sok, scrapgirls.com, Art Deco Stitching freebie
WordArt: Sue Cummings, oscraps.com, Simply Quick You
Action: Mandy Steward, scrapgirls.com, Photo Pop Actions
Font: Impact & Helvetica