I created this for my 1999 Christmas card and used

Poser 4 for the girl then painted her robe on in Painter 6.

The background image was done in Vue d'Esprit 3 including the 

foreground grass then I layered the images in Photoshop 5

then added falling snow with Ulead's particle plugin.

The outer frame was made in Corel 9 and imported into 

Photoshop 5 where I used KPT 5's shapeshifter plugin and 

layered it on top of the rest of the image.

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