Okay…I'm back from lunch with my friend! LOL She's FABULOUS, btw!
Many of you asked so…here are the supplies I used for her card:
Card base is a half sheet of crumb cake card stock
Then, I layered black cs and distressed the edges. The Mocha Morning DSP panels are layered onto distressed pieces of crumb cake cs. The scallop edge is also Mocha Morning Scallop Trim Border Punch. The "flower" is vanilla satin ribbon which I "pleated" (See photos below) using a scallop circle and our adhesive sheet. The brad is from our Antique Brads Collection. The Greeting is Word Play and our Framelits. the edges of all the card stocks were distressed using our distressing tool. Email me with any questions.
I adhered a piece of an adhesive sheet to crumb cake cs and punched out using the scallop circle punch. While the Vanilla satin ribbon was still attached to the roll, I began pleating it onto the sticky scallop circle. When I completed the first section, I moved to the "inner circle" and did the same. 
When you're finished, you can use mini glue dots to tuck in the last piece of ribbon and "fix" any stragglers that need a little extra glue. Just pierce a hole in the center and insert an Antique brad.
Glad you liked it!
Thank you Cathy, love the flower