This was done by Diana Ryman of Ravenna, OH (watercolored background and carved barn), Lynn Hershberger of Lansing MI (dancing woman with pepto-bismol skin and fish sun), and Vivian Montre of Nevada City, CA (tag)This card came in a plain brown envelope stamped "PAST DUE" and "CONFIRMATION". I figured it was mail art, though, because nobody who sends me PAST DUE bills uses embossing powder on them!
This card has a nice embossed Carving Consortium logo stamp on the back.