I have got the challenge bug! I am going to enter this card into the Dream Valley Challenge 17 - Monochrome.
Stamps: Create and Craft set I found in Wilkinsons, Sentiments stamp set from Papermania.
BG papers: Plain paper from my stash, pattered paper made up from one of the flower stamps from the set from Wilkinsons.
Embellishments: Flat backed gems.