I used white letters and the white monochromatic with a touch of blue color scheme, but I used 2 photos instead of 1. So I won't get all the points possible.
Here's my take on it:
I used white paint on white cardstock to give some texture. It's slightly pearlized, although you can barely tell in the photo. Then I tore the edge of one of the tissue/glitter papers I made a while back. I added ribbon from Debi Clark (she sent an RAK for last month's S2S) and a glittery snowflake. I used a CK outline font for the title. Nice and easy, but I think it came out looking kind of cool -- different. In sunny So Cal, this is as close to a white Christmas as I'll get :-)