For this, I didn't layer on top of the card front, but I cut a window in the kraft C.S., then a smaller one in the black, and the white is the bottom layer.
Supplies (all from PTI unless otherwise noted)
Paper: Kraft, White; True Black
Stamp Sets: Around & About Sentiments; Here for You (Verve Stamps)
Ink: Raspberry Fizz, True Black
Other: True Black twill ribbon; Ribbon tab (Nestabilities)
Tools: Square Scallop Punch (Marvy); Corner Rounder Punch (EK Success)