I really need to pick up some speed with my C&S 3 homework...
So I just created a quick card in between work and picking up the kids from school. Need to rush now.
As you'll notice it's not one layer. That's because my mask shifted and when I tried to fit it back on, I got it crooked. But I wanted to use the panel anyway, so I cut out the banner shape and oval and made it a 2 layer card. However, when I had it all done, I decided I didn't like the panel after all and created it again. By that time, I had already stamped the sentiment and scored the frame, so I kept my 2 layer concept.