Well this is the same card! Started off with the M because I 'mistakenly' thought it was Matt's b'day but had to turn around and come change the M for a K when I realized it was really Kate's birthday!! Little card emergency but fixed it up in about 10 minutes.. not the colors I would have picked for Kate but it worked! LOL Sorry Kate :P

I always wanted to try the flag banner and totally love that look and will use it again!!