Bathing Beauty

Inspired by elements from these three layouts:
Scalloped edging: https://www.sweetshoppecommunity.com/gallery/showphoto.php?photo=122235
Word jumbles: https://www.sweetshoppecommunity.com/gallery/showphoto.php?photo=112349
Black and White photo: https://www.sweetshoppecommunity.com/gallery/showphoto.php?photo=123221

Rub-A-Dub-Dub by Kristin Cronin-Barrow
Word Jumbles: Water Fun by Penny Springmann
Bad Sewing Machine XV: LoopteeLoo by Traci Reed

Font: Hootie!