Adobe offered me a free template. Since I had never used one (and really didn't know what a template was, until I started to play with it), I took them up on the offer. Another new skill. :) It was fun. The underlying image is out of focus bokeh from my tree lights.
Here is my holiday card to all the lovely people here. 🎄
10/1/2020: Finished year 7 (!), with continuing gratitude towards this amazing community. Based in St. Louis, MO. Regular worker-bee and self-taught photography dilettante....