I managed to link my posting at 1:05 pm so I'm a little late for this week LOL!
My card was created in Hallmark Card Studio and then printed out. I've spayed the image with a couple of coats of Spray and Shine from Crafters' Companion to make it look 'wet'. Then I matted it onto some silver card abd added a little umbrella charm. The full phrase reads 'when life gives you a rainy day...............splash in a puddle!
I came third with the above card.