brown and white . love how she split the main panel along a curvy line leaving enough room to stamp part of the sentiment . embossing folder snowflakes on the top panel . big sentiment on the botttom panel .
White dry embossed panel with horizontal ribbon attached was adhered to red or green card base. Tree stamped in green on smaller white panel & attached to red panel to frame it. This piece then attached to rest of card. Gems added to tree.