On the left, I simply layered the collage image on black, added a greeting and layered it again on green. I added the ribbon later by sliding it between the black and green layers, then behind the yellow I layered onto the card front.
On the right, I layered my image onto an embossed blue rectangle and added a colour printed greeting. This element was layered onto an embossed label die cut (SX) which I attached to my layered card front with a couple yellow brads.
It was fun to play with my elements and come up with different layouts!!