Brenda the christmas cards are the ones you would use if inserting a photo. All I did was machine emb. on stiffey felt, cut to fit the opening and slide in. I did my cards this way last year and again I'll do them for this year. The napkins are .50 cents at a discount store, stitch up beautifully and wash/dry without ironing. Cant beat them at that price. I'll take a picture of the christmas ones and post them in a few minutes. Denise