Okay, this is what happens when you complete a layout and it just does seem to work for you.  It bugs you all night and day until you go and do something about it.  So, here is the redo of the layout that I did yesterday for Day 13.  13, maybe that's why it didn't work for me.    Also pictured is today's challenge which is a card with the greeting going down the side instead of horizontal as in most cards.