| You may get .psd* file of "Unusual Christmas Card" Photoshop tutorial by making a payment. Put the tutorial title in "Add special instructions to seller" line of PayPal and it will be sent to you shortly. | 
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- Draw light soft spot between background and card layers.
- Apply Soft Light Blending mode to it to create smooth lightning effect.
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- You should get something like on the screen shot below.
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- Create selected shape above background layer using Pan Tool.
- Fill it wit black/transparent gradient, play with Opacity, apply Gaussian Blur Filter (around 3%)
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- Insert cloud image.
- Separate it from background. You may found detailed tutorial, how to remove background here: http://alfoart.com/green-planet-3.html
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- Erase superfluous areas using soft Eraser Tool.
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