This is a classic "Thirds" card.
The bottom two thirds of the card is covered
with a Karen Foster DP (designer paper)
that has a floral pattern. The top one third has
a coordinating green Karen Foster DP.
Marking the division between the thirds is a
band of dark green card stock that
has been cut with a border punch and a
narrow strip of the green paper has
been mounted on that.
The phrase is one that I have created in PSP X,
and cut with a Spellbinders oval die. (Paint Shop Pro 10)
The lovely flourishes on either side were
die cut from a Cheery Lynn Designs die.
This is a very simple design, yet because of the colors
and placement it is very striking.