1. Print the card onto cardstock and trim. Print the heart template and cut out, then cut a strip of clear Con-Tact paper long enough to make four hearts. Trace around the heart template on the paper side of the Con-Tact paper.
2. To make the scratch-off solution, mix 2 parts metallic acrylic paint with 1 part dishwashing liquid. Using a small, flat paintbrush, apply a thin coat of the scratch-off solution onto the front side of the Con-Tact paper and let dry for an hour. Repeat with a second coat, and add a third coat if your paint looks streaky.
3. Cut out the hearts (following the traced outline), peel off the backing, and place over the heart spaces on the card. Package the card with a new penny.