Anyway, enough preamble. I chose the film White Christmas which, of course, gave me lots of options. I chose to get out my Thomas Kinkade CDRom, and I chose an image and background from that.
I did some work in Photoshop Elements before printing, adding a faded layer of the image below a cropped version, and adding s bevel or two, as well as a sentiment. I then matted the printed result, and combined it with a rather nice 'paint effect background, and that was it.