The card - background is embossed.  Smaller panel is matted and I sponged a circle on the left.  The tree is stamped directly over the sponged circle.  Add a sentiment, some ribbon and a bit of bling.

More 'Grandma time' with Hudson.  We have a few errands to do this morning but hopefully we can stay in the house during the heat (or the predicted rain) this afternoon.  

Have a great day!