Wonderful ATC ... so perfect for the times we're going through! Excellent masking on the ladybug photo, and the frame cutout looks so good with the red & white polkadot BG peeking through. Perfect banner, too. I also like the exceptional quote you chose ... with all the e's in black! How cool is that!
Well, I love the photo of the ladybug! The way you made all the "e's" in the words black for contrast is brilliant! It plays off the banner super well!