I love this card!!
I made it using cream colored cs from Marco's and brown cs from AC.
I embossed the cream colored cs using a Cuttlebug embossing folder,
and used a Spellbinders die cut for the cs with the saying.
The ribbon was purchased from Michael's.
The stamp is from Stickable Stamps that I purchased at The Stamp Pad in Kimmswick.
The pearls are from Simon Says Stamp.
Very easy to make.