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This masking technique is gorgeous! I found it on Ann's Stamping World. Super easy tutorial (thanks, Ann) and beautiful in any color. I used the Lovely as a Tree 127739 Stampin Up set that is sure to become a classic. If you don't have this set now is the time to order it.
The card base is Midnight Muse (one of the new InColors) and stamped, sponged with the same.