[url=
https://www.sweetshoppedesigns.com/sweetshoppe/product.php?productid=21124&cat=0&page=1]Cindy's Layered Templates: Set 79[/url] by Cindy Schneider.
Zen Garden by Inspirations from Day.
Ribbon and white flowers from 'Imperial Girl' and large flowers from 'Friendly', both by Britt-ish Designs.
Font is Pea Breathe Easy.
