I used paper 4 from the Black and White digital kit for my background. Then I dropped in my photo and used the Format ribbon>Filter>Soften edge effect and slid the softness over to allow the background paper to appear as though it is penetrating the photo.
For the snippet of ribbon under "Beautiful", I used ribbon 7, shrunk down and applied the soften edge filter so that it faded out on both sides.
For "Beautiful", go to Insert ribbon and select Fancy text. I used the Delight Alpha set. Type your title and adjust color, size, etc. I changed my color to sepia and then applied a "cord" surface, under the Format>Surfaces. You will notice that you have two options - Scale texture and Amplification. Play with these scales to see the effects.
Beneath the "Beautiful", I added the "black" flower and also scattered tiny "white" flowers. The eyelet in the center of the flowers were created with a tiny black circle shape filled with two tone black and white gradient found under the Cut and Fill ribbon.
Barely noticeable is the "black text" flower just above the "B". I applied the soften edge filter quite heavily so that all you have left with is the writing.
