These three cards were from the Cindy Loo cartridge. I was just playing around to see what different looks can be achieved by the same image. There are four different layers involved in putting together the Owl and two layers for the word hi. Different opened card and embossed with the swiss dots folder of the cuddlebug. I used a border punch for the yellow and put it behind the polka dot paper. The paper is what gave me my color combinations.