Saturday, October 27, 2012

Big weekend

Hi everyone,
I'm glad I still have a couple of cards to post from last weekend...this has been one busy week, is one busy weekend, and will be one busy week next week.  I can finally relax a bit next weekend...can't wait!

So today I am sharing yet another card from my card class last weekend using the new line Sizzix calls Pop n Cuts.  This card is a thank you card and I really love the inside.  The flower on the outside was all cut by hand, but I think I'd prefer a mandala or regular flower...the inside, however, is lovely.  The decorative emblem inside the card can also be cut and put on the outside of a card in the same color as cardstock to give the card an embossed look.  Quite lovely.

Well I hope you enjoy today's post...I am itching to actually make something of my own.  But today we are having several girls over the house to celebrate Julia's birthday.  Yes...3 weeks and counting of celebrations.    :)  Thanks for stopping by...Margaret


Thursday, October 25, 2012

Happy Holidays

My week is done!  Yea!
Tomorrow I have to take Sadie to the vet because she has been hacking more than usually and last weekend she started moaning and groaning in the evening.  She still eats and walks and does all her normal activities for a dog who will be 15 in December, but this isn't normal for herm so she's going to see her doctor.  My DH says I have her dead and buried, but that is not true.  Anyone that has had a dog knows how stoic they can be.  Usually by the time you realize something is wrong, they are really, really sick.  I'm not taking any chances with my sweet Sadie!
Tonight I am watching the World Series and making cards!  My two favorite activities!  I have a holiday card using the sketch over at Try Stampin' On Tuesday.
DP is Happy Holidays from Hobby Lobby (2008, oh my!).  I used an SU! punch for the snowflakes and added rhinestones to the centers.  Banner is an MFT die with a Papertrey sentiment stamped with Versafine Black Onyx.  A simplet card that would be easy to replicate for multiple cards.
I am also entering the following challenges:
Thanks for stopping by!
kathy b

Wednesday, October 24, 2012

Pawsitively Doggone Great Day!

Happy Hump Day!
Summer is back in's almost 90 degrees!  Fortunately, a cold front is supposed to be here Friday and the high will be about 54!!!!
Today I have a card that could be used as a birthday card or just a keep in touch card.
The postcard image is from Whimsy Stamps.  The Tail Mail stamp is from Repeat Impressions, as is the sketch.  The dp and cs is from my stash.  I am not sure where the sentiment came from, as it is unmounted.  Die cut border comes from MFT.  I added rhinestones for bling!
I am also entering the following challenges:
Whimsy Challenge Blog - all things sparkly
The Perfect Sentiment - Happy Birthday/Anniversary
WordArt Wednesday - Uplifting Sentiment
Thanks for stopping by!
kathy b

Tuesday, October 23, 2012


Happy Tuesday!
It's dog day around here.  Each and every Tuesday I take Geena Bea to her dog agility class.  Now that we have 4 dogs, it's her special time with me.  It takes 50 minutes just to get there and we have class for about 1.5 hours.  So, in honor of dog day, I have a dog card to share!
My card today uses an old MFT stamp set, Let's Go for a Walk.  I colored the image with Copics and cut it out with nesties.  The DP is Basic Grey Wags n' Whiskers and cs is DCWV.
The fishtail, paw print, cloud and sentiment tag are all MFT dies.  I popped up the cloud with 3M tape and added Swarovski crystals for bling!  Don't you just love those pups with the celebration hats!!!
This sketch is from the Wednesday Challenge at MFT.
I am entering the following challenges:
Lollipop Crafts - Happy Birthday
Addicted to Stamps - Animal Friends
Pan Pastel UK - Animals
The Crafty Pad - Use an animal
Thanks for stopping by!!!
kathy b

Monday, October 22, 2012

Warm Winter Wishes

Hi!  I'm back tonight with a Christmas/Winter card.

I used a sketch from Simply Stampin' Challenge.  The stamp set is new this season from Stampin' Up!  It's called Scentsational Season and you can buy a die set to go with it (which I did).  I stamped the image using Versafine Olympia and the steam with Gold Encore.  The sentiment from Papertrey was stamped with Versamark and Encore (ink with Versamark, then add the gold ink on top), then embossed with translucent embossing powder.  You can't tell from the photo, but it gives it a wet appearance.   DP is Wassail from Basic Grey and cs is from Stampin' Up!
I am also entering the following challenges:
Stamp and Create - Winter Wonderland

Critter Sketch - embossing
House of Gilli - wet or dry embossing
Thanks for stopping by!
kathy b

Sunday, October 21, 2012

You're invited...and JOY at Christmas pop up

Hi everyone,
While Kathy is taking a I have TWO creations to share with you.  The first one is an invitation I made for Julia's birthday party.  Actually I made three of these.  It's a rather simple card, but the intriguing part of it is that there's a card holder and inside of it, I used my nesties to create a "tag" so to speak.  The card holder is made from a Jillian Vance Design diecut called "[die]signer pocket die".  I just LOVE this stamp cute, but I found this die cut and had to have it (even though I nearly choked when I saw the price).  But you can do so much with this die...make little tag holders to pull out  tags or even put in gift cards or coupons--so I figured it was worth it.  What you see popping out of it the holder is a "tag" saying "you're invited". The punch border is Martha Stewart with liquid pearls in between the hearts.  "Let's celebrate" is from Stampin Up.  Cupcake Paper is by Paper Studio and the  other strips are just scraps I found in my bin.

Below that is another card from my card class (see yesterday's post), this is the WOW card...when you open it up, there is a lamp post that pops up.  It is really stunning in doesn't do it justice.  We only got 6 leaves to make the wreath (Jim Holtz) so if I do this card again, I will definitely fill it up with more leaves.  The red ribbon is made from felt.  It was a die, but not sure who made it.  I'm really jazzed about the lamppost, and it can stand don't need the pop up dies to go with it which is great.  You can put it as  background for Magnolias and all sorts of scenes. If you follow the video (See post yesterday), she shows you the best way to make it so it is sturdy.
Thanks for stopping by!  Hope you enjoyed today's post. Margaret

Saturday, October 20, 2012

Pop n Cuts Class by Karen Burniston

Hi everyone!
I am really excited to share some news with you today and introduce a new product I learned about.  We have a really wonderful stamping and scrapbooking store in Colorado Springs--Kathy can attest to that!  If you ever come visit Colorado you must stop by Simple Pleasures--they are AWESOME.  Anyway, today they had a class and Karen Burniston, creator of the Sizzix Pop n Cuts was there to teach the class.  If it wasn't for Kathy I probably wouldn't have gone--so I really need to thank her for motivating me to go.  I can't even remember the last time I took a card class.

So the card I am featuring today is a birthday card for a little boy--dinosaurs may not be everyone's favorites but use the card as inspiration.  The point of the card is that the outside can be kept simple because the inside of the card is where all the POW! is.  When you open it up, there are pop ups and due to the tools you can use, you can really get creative.  If you'd like to see some of Karen's cards, you can visit her website here and here.  The second site has some demonstration videos.  If you google her name there are plenty of You Tube videos to follow along.  I really do recommend them as the first time you do the cards can be a bit complicated.

So take this dinosaur card and imagine a cake or stars or anything you can imagine to replace it.  Totally cute.  The picture doesn't do it justice at all.  I have three more cards to share with you from the class (we made four in the class)...and one of them is really hang tight to your seats.  For folks who love playing with patterned paper, this is very fun and there's lots of room for creativity.

So let me tell you a little bit about the Pop n Cuts.  They're basically dies that you can pull through Big Shot, etc.  There is a base that costs about $50.  Then you can mix and match various pop up dies to make all types of creations (that basically give the center its shape).  In this particular example there are two center dies in addition to the base (one of the dies is called a "movers and shapers".  The little star is actually suspended on an invisible strand of fishing line.   One thing I do have to warn you about is that it can become a pricey venture as some of the dies need companion dies to make them pop...and you can get sucked in very quickly.  Anyway, enjoy this card...I have a few others to share with you over the next few days.  Thanks for stopping by.  Margaret

Friday, October 19, 2012

Creepy Crawly

One last Halloween card before I put away my Halloween stash for the year.  I bought this stamp 4 years ago at an Achiver's store when I was visiting in Colorado.  I have never used it before...sad, huh?  So much stash, so little time!
The sketch tonight comes from the Skipping Stones Challenge, which I only recently stumbled upon.  I really like their sketches!
DP is from Michaels and cs is DCWV Chalkboard paper.  I used a Martha Stewart punch for the web border and the crystal web is from Hobby Lobby.  Ribbon came from my leftover stash.  I like how this one came out!
I am also entering the following challenges:
Ribbon Carousel - Halloween + spooled item
Forever Friends - Halloween
Lexi's Creations - Halloween
Really Reasonable Ribbon - Halloween + ribbon
Aud Sentiments Challenge - Halloween sentiment
Thanks for stopping by!!!
kathy b

Thursday, October 18, 2012

Winter Sleigh Rides

It's almost time for another weekend - where has this week gone?
I have another Christmas card for you today. I am going to have all my cards readu to be addressed by Thanksgiving this year! This is going to be wonderful!

This one could actually be used for a winter greeting card, as well. I couldn't find any blue dp I liked so I made my own snowy background using a Cornish Heritage Farms background stamp and Versacolor white ink. I used my Spicas to add some shine, but that doesn't come through in the photo. The image is also from CHF, actually 2 stamps, a frame and the sentiment (which is why it is a little crooked - even after a half a dozen tries!), stamped with Versafine Black Onyx. I used Hobby Lobby ribbon and a brad from my stash for the bow. The die is from MFT. The sketch I used comes from Sweet Sketch Wednesday
I am also entering the following challenges:
ABC Christmas Challenge - Anything goes
Crafty Sentiments - bows or ribbon
My Time to Craft - Recipe (3 papers, 2 images [frame+sentiment], 1 ribbon)
Holly Jolly Christmas Challenge - picture inspiration
Thanks for stopping by!
kathy b

Wednesday, October 17, 2012

Merry Christmas

I am all about holidays right now.  Halloween, Thanksgiving, and now Christmas!
Today's card uses a sketch from the Merry Monday challenge at Always Playing with Paper. 
I pulled out a couple of REALLY old Stampin' Up sets (Loads of Wishes & Loads of Wishes accessories) and went to stamping and coloring, with Copics, of course.  DP is ancient paper (Holiday Slab V) and cs is from Bazzill.  I used the "unsparkly" side of the cs as that color better matched my dp.  I used an SU! punch for the snowflack and an MFT die for the edging.  I added metal balls to the edging, as well as under the truck and to the right of the sentiment.  The truck presents and tree are popped up with 3M tape.  Nesties were used to cut out the image.
I am also entering the following challenges:
Oooh la la Creations - Christmas Sentiment
Totally Stampalicious - Create a Christmas Card

Tuesday, October 16, 2012

Give Thanks

Can you believe it?  Thanksgiving is just around the corner.
My DH and I were talking just today that we need to get our invites out to those we would like to have over for the meal.  Before you know it, we'll be putting up the Christmas tree!
So, I was inspired to make a Thanksgiving card today.
This lovely template comes from Sketch Saturday.  The pumpkin image is from CC Designs, colored with Copics, and mounted with 3M foam on a Memory Box die cut.  The sentiment is from Papertrey,cut out with a Memory Box die and mounted with 3M foam on a SU! punch out. The zigzag is cut with a die from MFT, dp is Eerie from Basic Grey, horizontal border die is from Sizzix.  Kaiser rhinestones are splashed throughout. 
I am also entering the following challenges:
Our Craft Lounge - Fall or Halloween treats
Challenge Up Your Life - Autumn/Halloween
Simply Create Too - Pumpkins

Monday, October 15, 2012

Hope Your Birthday Is A Hoot!

What a short weekend! 
 I need another one, NOW!  How about you?
I have a card for Margaret's oldest daughter who has a birthday this week.
She is currently in love with all things "owl" so what better card to make than one with an owl on it?!!!  And a very feminine owl, at that!
The image is a digital one (Hula Owl) from Pink Cat Studio.  I printed her twice, colored her with Copics, then fussy cut the hibiscus and grass skirt, popping them up with 3M tape.  I used some Art Institute transparent glitter on the hibiscus flower center and then used iridescent Smooch on the center of the flowers along her skirt.  I added Robin's nest baubles in the corners.  The sentiment is also from Pink Cat Studio and I cut it out with a die from Taylored Expressions.  It comes with the clear piece that matches the die and makes it extremely easy to match it up and cut it out the FIRST time!!!  I used the sketch from this week's challenge over at The Sweet Stop.
I am also entering the following challenges:
Art Impressions - Child's Birthday
Card Mania - Happy Birthday
Sassy Cheryl's - Celebrating Birthdays
Thanks for stopping by!
kathy b

Sunday, October 14, 2012

Rock star

Hi everyone,
Well Julia LOVED her card from yesterday...and Claudia now wants one just like it. LOL.

Today's card actually has a funny story behind it.  A friend was laughing saying that someone came up to her and said she's a real rock star (pertaining to her notoriety in her job).  So since she is due for a thank you card...I couldn't resist this stamp set by MFT.  This is actually CASEd card from a design I found on Pinterest (I am addicted to that site!).

This card is very sparkly, and the stars are dies from MFT, using the American Crafts Glitter paper (except for the yellow star...that's stickled!).  I LOVE this paper because it doesn't shed the glitter like others do and it is thin and soft yet SO incredibly sparkly.  However, it is a hard to find paper, and our local scrapbook store said it is very difficult to get in.  So I've been waiting now for months for more to come in (It sold out in a flash).  I've looked online and you can get them in if anyone find this paper where you can buy in individual sheets...let me know!

Enjoy your Sunday...we are having beautifully warm sunny weather today.  I'm baking an apple pie to bring to a function I need to go to for our house smells like the holidays!  Thanks for stopping by!  Margaret

Saturday, October 13, 2012

13th Birthday

Hi Everyone,
I'm taking over this weekend for Kathy.  Today we are celebrating my older daughter's birthday.  Her birthday is actually next week but she will be spending it with her father.  So today my family is celebrating with a special meal, next week her real birthday, and the following will be her birthday with her friends.  Whew...I'm tired thinking about it all.

I have really outdone myself with the card.  I had major creativity block because I wanted it to be super special (She turned 13).  And I realize I can't go wrong with Stampin Bella's Uptown Girls.  Then I cam across a scrap of black sparkly paper and the creative juice started.

So here we are...a super sparkly birthday card.  All the black accent papers are sparkly and I've made her dress all stickled up as well.

Stamps:  Uptown girls line from Stampin Bella (images); sentiments from Stampin up
Die cuts:  Edger (MFT); Oval frame (Memory box)
Velvet ribbon. Stickles on dress, cake, present, flowers in hair and shoes.

Friday, October 12, 2012

Have a Sweet Holiday

Tonight I have a Christmas card and I used the sketch over at Always Playing With Paper. 
I used a Pink Cat stamp called Lily Candy Elf, colored her with Copics and Spicas, added Art Institute Transparent Glitter to the sucker, then cut her out and mounted her with nesties.  CS is DCWV and DP is Provo Craft Holiday Slab V.  I punched out the sentiment and then mounted it on an SU! punch out.
I am also entering the following challenges:
Shopping Your Stash - tic tac toe (sparkle [glitter], sentiment, yellow [hair colored with yellow copics])
Thanks for stopping by!
kathy b

Thursday, October 11, 2012

You're a Hoot!

SF Giants win the series over the Reds!!!
I am thrilled, but now we have to wait until tomorrow night to know who we play on Sunday - St Louis in SF or the Nationals in DC.
I LOVE baseball!
Ok, tonight I have a card that uses a sketch over at 365 Cards.
I used a stamp from Studio G for the main image and colored it with Copics, then fussy cut it out.  The sentiment is stamped with Versafine Black Onyx and is from Stampendous.  I used a Taylored Expressions die to cut it out.  DP is Basic Grey Indian Summer and I added a few Kaiser crystals.
I am also entering the following challenges:
 TipTop Tuesday - Things with Wings
PolkaDoodle - Wings and Things
Lexi's Creations - Pink

Thanks for stopping by!

kathy b

Wednesday, October 10, 2012

Enjoy the Moment

Hello All. 
I am grieving the loss of our local grocery store tonight.  In a town of 1490 people, this is a disaster.
Apparently, within minutes of my departure today, the store went up in flames and is a total loss.  It was only 5 miles from my home.  Yes, I said miles.  Now I will have to drive 25-30 miles, depending on which direction I go.  These are not freeway miles, these are winding country roads.  I worry for all the families that made their living in that store.  I worry about the loss of tax revenue to our community.  I worry about how some of the other local businesses might be affected when we all have to go to bigger towns/cities to do our shopping and buy more stuff in those places while we are there.  I worry about how budgets will be affected by increased driving/gas costs.  I worry about how the schools will be affected.  Will I be able to still get my prescriptions now that the in-store pharmacy is gone?  We lost 2 in-store restaurants, including a Subway, as well.  Life as we knew it will be changed for the foreseeable future.
I am sure they will rebuild, but that will take time.  In the meantime, what damage will take place in our community?  Time will tell.
So, since I am feeling very sad tonight, I decided to make a fall card.  We are not having much of a fall here because the drought caused the trees to lose their leaves in June & July, so there's not much left to change. 
I have a beautiful Memory Box stamp that I used tonight, stamping it on 2 different Basic Grey Indian Summer papers and punching out the tree then mounting it with foam tape on top of the other one.  I used a Sizzix die for the label and tied May double-sided satin ribbon to the top.  The sentiment is from Impression Obsession and I used Versafine Sepia ink.  The sketch is from the Skipping Stones Designs challenge.
I am also entering the following challenges:
Crazy Amigo Challenge - falling leaves
Die Cuttin' Divas - fall colors
Love to Create - fall/autumn colors
Use it Tuesday - all about fall (hoarded stash=Basic Grey Indian Summer - I confess, I AM a paper HOARDER)
Thanks to Margaret for posting for me yesterday when I was just too sick (migraine again) and tired to be able to do it.  I'm very glad to be back tonight, even though I do have to go to the office tomorrow!!!
Thanks for stopping by!
kathy b

Tuesday, October 9, 2012

Are you a good witch or a bad witch?

Happy Tuesday everyone!

I'm back with a post today.  Kathy's recent streak for Halloween has bitten me here I am posting--you got it--another Halloween card.  I made this for my daughter Julia because the stamp reminds me of her.  And this one is a real blast from the past--for those of you who have been stamping awhile, you will know what I mean.

This witch is Tilda from an old Magnolia line.  You can't really tell from this card, but she is cut out and popped out with foam tape.  The backdrop is a Penny Black stamp, the Happy Halloween is the $1 special from Michael's bins (from several years back), and the "are you a good witch or a bad witch" sentiment is Inky Antics.  I love this particular stamp--has lots of uses (including NOT Halloween! LOL).  The edges are punched with a Martha Stewart punch and lots of stickles everywhere.

I will be entering this card into the Scrappy Frogs "Fall/Halloween" challenge

Hope you enjoy the card...will be back later.  Am working on another card but realistically probably will take a couple more days before I finish. --Margaret

Monday, October 8, 2012


No, I didn't just see a mouse!!!
I've made yet another Halloween card.  I can't help myself.  I love the stamps, I love the papers, I love the fun and, unfortunately, I love the candy, too!!!

DP is Basic Grey Eerie and cardstock is from Michaels.  Those cute little trick or treaters are from an ancient SU! set.   The lovely sentiment is from Martha Stewart!  The image is colored with Copics and though it was a tad tedious, it was fun because of the subject matter.  No sketch this time...I tried several but couldn't make them work (stamped first, then looked for a sketch - that doesn't work too well for me, I usually pick out a sketch and then stamp).
I am entering the following challenges:
Catered Crop - Halloween
Scrappy Frogs - Halloween
Crazy 4 Challenges - Favorite Halloween Character
Broken Box - Halloween Card
Oh how I love Halloween!!!
Thanks for stopping by...
kathy b

Sunday, October 7, 2012

Piggy Bank Girl

Oh darn, it's Sunday night.  I have to watch the SF Giants tonight and the game doesn't start until 8:37 pm my time and I have to go to work tomorrow-ugh!
Hopefully tonight's game will have a happy ending!
My card tonight was created using The Sweetest Thing sketch.  It's a very easy sketch with which to work.
I used Basic Grey Oh, Baby! dp and DCWV cs.  The stamp is a Pure Innocence from MFT.  I colored her with Copics and Spicas and cut her out with nesties.  I used a Taylored Expressions die to cut the banner and an MFT set for the flower.  I added a Teresa Collins x-large rhinestone to the flower center for bling!  Considering the year the Razorbacks are having, I just couldn't do a red hog card tonight...perhaps after a few more wins!!!
I am entering the following challenges:
A Gem of a Challenge - For the girls
Paper Pretties - Flowers
Shelly's Images - tic tac toe (orange,bling & die)
Songbird Challenge - Girls Just Wanna Have Fun
Go SF GIANTS - beat the REDS!!!
Thanks for stopping by!!!
kathy b

Saturday, October 6, 2012


Sports Saturday!
We didn't get out of the 40's today for the first time since last winter!  We watched football and baseball most of the day!  Then we had gumbo for dinner.  What a winner of a day!
Tonight I made a card for the Penny Black Saturday Challenge using their sketch.

This happy little puppy with the present is a Penny Black stamp colored with Copics and Spicas.  The sentiment is from SU!  I used Basic Grey dp and SU! cs.  Nesties were used for the image and scallop.  The red tag is from Memory Box and a 3/4" punch was used for the sentiment and twine from The Cat's Pajamas is tied to the top of the tag.  I added metal snowflakes from my stash as embellishments.
I am also entering the following challenges:
Jingle Belles - Pink Christmas:pink somewhere
Created With Love - Christmas
Hanna & Friends - dots or stripes
Thanks for stopping by to see that I really meant what I said yesterday about not doing a Halloween card today!!!
kathy b

Friday, October 5, 2012


YEA it's Friday!
It is supposed to rain again tomorrow and the temps are supposed to be in the low 50s during the day.  What a difference a few weeks make!
I'm back with yet another Halloween card.  Somehow they make me happy and I can't help but make more!  Please bear with me...I promise to make something else this weekend!!!
The sketch is from Tuesday Morning Sketches.  I used Basic Grey Eerie and Recollections dps.  CS is from DCWV and I used the Martha Stewart spider web punch along the vertical edges of the black strip and rhinestones were added to the bottom. I colored the image with Copics and Spicas and fussy cut it.   Nesties were used for the papers that the image is mounted on. 
I am also entering the following challenges:
Hooked on Crafts - Halloween
Bearly Mine - Halloween
Thanks for stopping by!
kathy b

Thursday, October 4, 2012

Happy Pumpkins

Happy Thursday!
I've got yet another Halloween card.  I guess I am really getting in the spirit of the season!  I'm suddenly inspired to make lots of Halloween cards!
I used the sketch from The House That Stamps Built.  DP is old stash from American Traditional Designs and cs is DCWV. 

The stamp is from SU! and colored with Copics and Spicas.  I was inspired to use the happy pumpkin paper because of the string of pumpkins this child is holding.
I am also entering the following challenges:
My Craft Spot - Halloween
Bearly Mine - Halloween
Thanks for stopping by!
kathy b

Wednesday, October 3, 2012

Happy Halloween

Good Evening!
I've got a quick Halloween card to share tonight.
I used the sketch from Try Stampin' on Tuesday.  It is a CAS design and works up ultra fast.
The dp is Basic Grey Eerie and cs is DCWV.  The sentiment is from Studio G and is stamped with Versafine Black Onyx.
I am also entering the following challenges:
Catered Crop - Halloween
Craft Us Crazy - Halloween
Thanks for stopping by!
kathy b

Tuesday, October 2, 2012

You Are Pretty Amazing

I'm Baaaaaaccckkk!!!
Thanks to Margaret for postingwhile I drove back home from Franklin, TN and took a day of rest.  Why is driving/riding in a vehicle so tiring???
We had a great time.  Geena Bea and I ended up with one Q, her first, which is very good considering my little diva still gets starstruck in the ring.  She's still very much a baby when it comes to trialing.  Over all, we had a very successful weekend and a lot of fun!!!  Plus we made a ton of new friends from TN and GA.
I made a card for the challenge at MFT today.
I usedan MFT stamp set and scallop die.  DP is really old Memory Box and cs is DCWV.  I used Versafine Black Onyx ink and Kaiser pearls.
Thanks for stopping by!
kathy b

Monday, October 1, 2012


Hi everyone,
Kathy needs a bit of time to readjust to being at home.  Long I'm relieving her tonight.  Here's a card with a girl you've seen now, what 2 or 3 times? LOL.  This image is from Printworks with a Cheery Lynn Die.  I think I like the first card I posted last week better, but this one didn't turn out too bad!  Well, this is a short one because I've been at work 11 hours today and still have work to do tonight!  OY!  The grinding life of a professor.  Thanks for stopping by! Margaret