And even more surprising it's a Christmas card - I don't normally make them until the last minute!
I've used a topper from a Crafter's Companion CD called Popcorn the Bear. I opened it in My Craft Studio and resized it.
The white mat is cut using a Tonic die called Trellis Square. The backing paper is from the same CD but it was meant to go with another topper. I didn't like the matching paper for this topper as it was very busy (lots of repeats of the teddy image). I finished off with some snowflake peel-offs and dotted Tonic's Nuvo Crystal Drops in wedgewood blue on the centres of the snowflakes. I also used the drops in white on the snowflakes in the backing paper.