I really had no idea when I put this together that it would fit with both these challenges this week, but as I have a couple of days of appointments time is not as available for me, so here goes:
My Time to Craft - Hats
Arty Girlz - Blue/Yellow Colour Combo
The image is coloured with Copics, papers are Basic Grey 'Marrakech', I tore the papers to create the layered mat, and used punches to create the circles. This card makes me think of holidays - must be the bright yellow and Marrakech papers I think.