First off, let me say that the scanning of this layout did not go as planned. However, I believe you can get the idea of how it looks.
I made this for a few challenges. The November Doodle Challenge, The November Keep Me In Stitches Challenge and the November Someone special with a splash of black Challenge and the November Bling Challenge.
I hand stitched the circles and I hand drawn the stitches around the scalloped edges. I also used a white gel pen to draw the accents on the T.
The "bling" is the rhinestones around the flourishes.
I hand painted the flourishes using a stencil and acrylic paint.