I can post this now the card has been received, I made it last week for a friend on the Bubbly Funk forum.
I created the background for the topper using a fabric baby wipe and either poster or watercolour paint (not sure which as I raided Faith's art box) The paint was dripped onto the wipe and blasted with a heat gun to set it and then left to dry naturally.
I wrapped a piece of the background fabric around a piece of card. Onto this I added a couple of fabric flowers highlighted with a small brad.
The card is cream with textured gold paper and cream handmade paper with gold dots layered onto it.
It's finished off with a greeting layered up the same way.