I can't really take much credit for this card.
I saw this stamp set and card here: http://iheart2stamp.com/page/3/
I stamped the image and then scanned it so that I could resize it as needed. I also used a different font in MTC called "Don" I get all of my fonts free from the fontpacks yahoo group and it can be found here: http://tech.groups.yahoo.com/group/fontpacks/
My card is a bit different than the one on the site.
I used the threading water punch twice and the ribbon is from Michaels, I used liquid pearls but I'm not excited over the effect. I think I still need to learn those. :-)
The paper card base is Recollections Cardstock and the pattern paper is from the DCWV "Old World Stack". The Snowflakes are from Michael's.