I can't sleep and been lurking around for a couple hours and finally found challenge 3. I found it at Scrappers Online http://www.scrappersonline.com/forums/printthread.php?t=619&pp=10&page=1.
The required parts are:
1. One focal photo with selective coloring
2. 20 or more words of journaling with possible highlights
3. At least one date element!
Now if I can sleep, I'll think about this tomorrow. I have an idea....stay tuned.