This was to be last year card....but my computer hard drive crashed in November....so I couldn't get them done....or designed....so better late than never....I give this a difficulty of 10...just cause of the time consuming for this card....and all the little tiny pieces with it....as for the picture frame I made for this card...I used the cutting file they gave us in the frame folder....but I do see some improvements that I need to make on the file before sharing with any who would like it