City Crafters & ABC

The challenge at City Crafters ids to choose one of four misted backgrounds.

I've gone for the top left red and gold combo.

And at ABC Christmas challenges they want T is for trio.

I've combined the 2 challenges to create this card.
There are 3 sentiments, stars and enamel dots.
The brown smudge is actually shiny gold mist. It didn't photograph well in the scanner.