Penny's Challenge, Cricut Cardz Challenge, and KL Stampin' N' Scrapin' Card

Well this is my first multiple challenge card.  I didn't mean to do three, but I was looking through my list of challenges to do and realized my card qualified for all three.  I used the sketch from Penny's Challenges.  I just received the Fabulous Finds cartridge in the mail after using my Cricut Rewards and as soon as a saw this cut I knew it would work perfectly for the challenge.  KL Stampin' N' Scrapin' challenge for November is using snowflakes.  I used the welded snowflake background I created with my Gypsy.  Cricut Cardz Challenge #1 was to use a cut from any cricut cartridge.  Hope you enjoy the card.