I did my Christmas card using Studio J.  It only took me about 30 minutes to upload the pictures and put it all together.  Then I paid the $3.95 fee to buy a jpg... no shipping fees, etc.  After a few minutes they sent me the jpg via e-mail and I put it on a flash drive and headed to the photo department at my local grocery store, where a nice young man put the two pages together and printed it in a 4x8 size.  A few little edges got cropped, but overall it came together quite well.  So fun to use CTMH Studio J to create with!!!!!  Here it is: