The first one looks like the frog is cut out...the second one looks like it is masked...can't tell on the 3rd one. I have done a couple of cards with this set and I have cut my frog out.
I actually participated in a demo swap and I cut out 13 frogs...I did it while I was watching Guiding Light

, and I was done cutting frogs before the show went off!
I think that I will try making a mask and see if it works well.