Fussy and Fancy DT Card - Brown and Cream

It's challenge time again at Fussy and Fancy, this time our theme is the colour combo of, "Brown and Cream", a classic combination suitable for almost any occasion.  I've made a sympathy card, using dark, chocolate brown and a lovely, rich cream colour.

 I've used an embossing folder to create the tree design, it's a Crafts Too one I think, I rubbed it with gold gilding wax to highlight the design, and it really shimmers beautifully, I just couldn't capture it with my camera.
The sentiment is from a Stampin' Up set, I think the words are lovely for a sympathy card.
I've used punches to add a bit of interest to my fairly simple card, a corner inverter at the top, and a Martha Stewart leafy border punch along the bottom, some ruffled ribbon adds some texture, and I've finished off with a few pearls.

I'm entering this card in the following challenges -

Crafty Ribbons - #70 - Anything Goes with Ribbon
Fab 'n' Funky - #193 - Anything Goes
The Sisterhood of Crafters - Embossing
Creative Card Crew - #49 - Pearls