I made this layout in Close To My Heart's Studio J online program. It is so easy to create layouts in this program. All you need to do it pick your layout, pick your paperpack and upload your photos. Then the fun part begins where you get to "embellish" your pages to your hearts content with stickease, ribbon, buttons. You can even make your pages looked distressed.
You can checkout this program at www.studioj.com. It is free to go online and create a layout. You do not get charged to use the program. You will only get charged if you decide to purchase any of the layouts you create. You can see the details in the Studio J link on my right side-bar if you are interested.
Thanks for looking and have fun in Studio J - you gotta try it!