I cannot imagine how to do justice to Carol's photo. I started out with a template, and this is where it took me. I hope she likes it...Thank you for looking!

I used:
Collage Style Layered Templates No. 01
Chandra Kit
Letter Box Garden Song Kit
Floridian Mini Kit
l'Automne Kit
Stamped Blocks No. 25 Brushes and Stamps
Twisted Dots No. 01
Layer Works No. 224
Lens Flares: Colors No. 01
Loving Life Word Art