None if you have Pages I simply go to one of the card templates provided in Pages clear everything from the card. Make text boxes and put in my text then move it around until it is just as I want it save as (Christmas Sentiment) for example. I put two sentiments in a placement so I can cut and have two cards. I also do four cut and place inside color cardstock. Be prepared to do several trial prints but it is so worth it after you get it like you want it. I hope this is clear or sort of clear.
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