This layout was recently up on the Heidi Swapp blog. I was inspired by Heidi's online class Stencil Magic.
I used her 6x6 Polka Dot stencil and Mustard and Sweet Cherry ColorShine mist to create my photo mat.
I overlaid a Clear Pop Tag over my focal photo.
Here I used a Greatest View Flair.
and to complete I finished off with a Color Pop Banner Delight which I layered under my photos.