I used a custom shape tool with a frame style in Adobe Photoshop to create the border. The special style custom shape styles are from PSD files I downloaded from Graphics Soft at About.com. Then I used Microsoft Publisher to create the certificate and inserted the frame image as the border.
The certificate has an enjoyable, whimsical font and the timeless Elizabeth Barrett Browning love quote at the bottom of the certificate...
How Do I Love Thee? Let Me Count The Ways...