Thank you Cassie! I learned how to do creases and now I am a crease-maniac! LOL

From the free tutorial:

Katie's Bookcloth, Carefree Spring
Also, Vintage Text (desaturated), Clock, Vintage Photo Frame, White Stitches (recolored)

Brushes: (lace) Rhonna Farrer

In addition, I put a mask on the bottom edge of the bookcloth and "faded" it about 15% and nipped the right edge with the eraser a bit.