Here's my submission for all three challenges:
A few notes about the card. Apart from the card base, all the rest of the layers are Whisper White. The blue layers were sponged with Island Indigo before stamping. The fishtail banner was stamped and embossed in white and the Labels Framelit layer was stamped and embossed with Iridescent Ice EP. IRL it's a lovely shimmery layer.
Thanks for looking.
Products Used (all Stampin' Up! unless otherwise noted):
Stamps: Snow Swirled; Many Merry Messages
Cardstock: Island Indigo; Whisper White
Ink: Island Indigo; Whisper White
Accessories: Iridescent Ice EP; White EP; Snowflakes EF; Fishtail Flags (MFT); Labels Framelits; Island Indigo Ruffled Ribbon