I made this for the Christmas tree challenge at http://www.scrapbook.com/forums/showtopic.php?tid/1579321/tp/2/
This is also using the Darice embossing folder, only the cardstock didn't rip on this one, so I used my ranger watermark ink pen to ink the ribbon and the balls and star on the tree then heat embossed them with gold embossing powder. Then I decided to also do the border as well. I also have the envelope behind the card and I stamped the gold swirls on it. I took my nail file and sanded down the tree a little to show the white core on it and make it look like a snow dusting.