Sorry for the confusion.
Here's the deal - you can (and I hope you do
make a card for every challenge). You can make multiples for every challenge.
What you are not allowed to do is make one card and use it for two or more different challenges - that's what we mean by combining. So let's say you make a circle card with a critter and bling - you could not keyword that for Beate's challenge and my challenge and Lori's challenge - you'd have to just pick one challenge that you're posting that card for.
Most people make more than 34 cards during this challenge - for challenges you really like it's fun to go back and make 3 or 4 cards and use that challenge keyword on each one.
Does that make more sense?