For my card I've used the Craftin Desert Divas Surfin Santa and I made the sentiment in Photoshop. Printed it on the Crafter's Companion Marker paper and colored the image with my alcohol markers.
I've free handed the wave and added white gel pen for the froth.
Added the panel on the card base with tape runner.
Merry Christmas everyone!
I thought the surfing Santa is fun for those who live in warm areas, and or in Australia and alike, where it's actually Summer when it's Christmas.
For more information or to play along the Simon Says Stamp Monday Challenge, see this.