This definitely is a challenge! We could use one layer which is the card base and had to use a technique. This is the late night stamper's Challenge 190. My card base is Very Vanilla, then I masked using the Window Frames Collection framelits (from the Stampin'Up! Holiday Catalog, page 30), sponging with Pool Party ink. Then I stamped the image and the sentiment with Island Indigo. Easy Peasy! The sentiment is from the Perfectly Penned stamp set, one of my go to sets!