Roz's card. It has a lot of elements to it . . . ribbon. . . . punching . . . embossing . . . . papers. I really enjoy this card.
OH BOY! I actually sent out all of the Christmas swaps this year in MY Christmas Mailing. I can't remember who made this one, and don't actually have it to look on the back. Hmmmmmm. Anyhow, I liked all of the layers on this card and how the center has cut-outs and pop-ups. Really cute!