Joan's Garden Fall Challenge

It doesn't feel like the end of summer, especially with this heat. The walnuts are falling as fast as the leaves. I love fall but I live for the summer months. Today's card is to be a fall theme, have a tree on the card, have some polka dots and also some grass. These challenges are really fun. And, here's my card.

The background Polka Dot is from IO. They have lots of neat Cover-A-Card backgrounds. Everything else is either punches or dies.
See you next week.
PH