Fold the Basic White cardstock at the 4-1/4" score line to create your card base. Decorate the inside of the card as desired.
Place the 3-3/4" x 5" piece of Basic White cardstock in the center of the base card - do not use adhesive yet but you might want to use a temporary tape to keep it from shifting on the cardstock.
Using the speckle stamps and the Coastal Cabana ink pad, stamp a line of speckles down the right side of the 2 cardstocks, reinking the stamps time. Set aside.
Run the 4" x 5-1/4" piece of Coastal Cabana cardstock through the Stampin' Cut & Emboss Machine and use the 1/2" x 1-1/2" Banner Die from the Stylish Shapes Dies to cut out the banner from the center of the Coastal Cabana cardstock. Set the small banner aside for now.
Adhere the 3-3/4" x 5" piece of Basic White cardstock to the Coastal Cabana cardstock, and then to the base card.
Run the 3" x 4" piece of Basic White cardstock through the Cut & Emboss Machine and die-cut three of the 1-1/4" circles from the Stylish Shapes dies. Stamp the small seahorse on each circle using Timid Tiger ink. Ink up the smallest speckle stamp using Coastal Cabana ink, stamp off 1-2 times, and then stamp onto the edges of one of the circles. Repeat as desired for all 3 circles.
Stamp the sentiment onto the Coastal Cabana banner from Step #4 using Timid Tiger ink. Adhere the banner to the bottom of one of the circles, apply glue only where they are attached.
To finish, add the circles to the front of the card as shown in the sample or as desired.