At the top of the Cartoon Style image, "Merry Christmas"

At the bottom of the image, add "Sleigh bells and tan lines!"

- Playful cartoon scene on a sunny beach: turquoise waves, golden sand, and a bright, cloud-dotted sky.

- Center-right: a lush Christmas tree planted in the sand, decorated with seashell baubles, starfish topper, tinsel, and twinkly lights; a couple of brightly wrapped presents at its base.

- Left foreground: an oversized, goofy koala with a Santa hat and sunglasses lounging in a brightly striped beach chair, raising a coconut drink with a candy-cane straw; big paws, big smile, exaggerated proportions.

- Right foreground: a second beach chair with a red-and-green towel draped over it; a surfboard with festive patterns leaning against the tree.

- Fun side details: a tiny sand-snowman wearing sunglasses, a cheeky crab tugging tinsel, and a seagull eyeing an ornament.

- Style notes: thick black outlines, bright saturated colors (candy reds, lime greens, aqua blues, sunny yellows), bouncy shapes, and whimsical, energetic poses.

- Lighting and mood: sun-sparkled water, glittery highlights on ornaments, warm and cheerful.

- Text styling: top headline in big, bouncy hand-lettering with candy-cane stripes and a teal drop shadow; bottom punchline in bold white with an aqua outline over a soft wave-shaped caption area for contrast.

Generated with these themes: Beach, Xmas tree, chairs, koala, and .

Made with ❤️ by AI.