This card is done with cream paper by DCWV, as are the swirls bird and flowers. The chrsyanthemums are made from a free svg file from svg.com. the bird and swirl are also from svg files cut with my Cricut. The green ric rack is a rub on I got a few years ago, don't recall the company.
This last card uses paper from Stampin Up. The basket of pointsettias was cut from a set I downloaded from one of the many free designs from one of the many photobucket sites. Each layer is cut out and placed on top of the previous layer with "pop dots." I am very thankful to all the wonderful people who share these great designs.