Kay &Co - Blue Awning papers
Cuttlebug & QuicKutz - flourish die
Ribbon, flowers and pearls from stash.
I used plain black and white cardstock with silver mirri card for matting and layering. The sentiment is computer generated. Gems and ribbon are from stash and I added some peel off snowflakes to the ribbons.
The basic cardstock is bazill and the patterned paper is from Germany. I used HOTP 'Fold It Swirls' template for the flowers and the ribbons and brads are from stash.