Create an image featuring: - A hand holding a bright red envelope with a simple festive design. - The envelope is tied with a twine or string and has a rustic appearance. - A cozy, warm background with a vintage paper texture. - Instead of snowflakes, use stars in different colors scattered around the image. - Replace "Dear Santa" with "To Whom It May Concern" in a playful, bold font. - The color scheme should be warm and inviting, focusing on reds, greens, and creams.