I did it!
The XS is done on the last Christmas gift. Now I have to do the finish work, but with luck it will go out in tomorrow's mail.
The new issue of JCS has "Wintertime" sampler. I did the segment that says "Winter, a time to gather golden moments" and the candles underneath, then took the three-snowflake box next to the candles and put that on top of the verse. On Fiddlers Lite.
I have to finish a bit of paid work now (another hour-and-change), but bannerizing it shouldn't take long.