The Valentine picture is a digital ATC that was created using Paint Shop Pro. The girl in the picture is a vintage photograph, probably from Dover publishing and the scroll work is either from Scrap Girls, Maria LaFrance (Digital Freebies) or RAKscraps. These are the places where I get my digital freebies from. These sites are wonderfull about sharing. They have challenges too.
This Valentine ATC was done for a Valentine Challenge.