This is a card I made before things went crazy at work, and I forgot to take a picture and post it. See the texture on that coconut? I got that idea from Jan Tinklenberg over at Stamps, Paper, Scissors. It was made using the "Distressed" texture plate from Texture Plates Kit #4 (114531) on some Early Espresso cardstock, after stamping the image in black StazOn ink. After embossing, I cut just the coconut husk, then stamped the image again on Whisper White to get the white coconut meat (and straw with umbrella to color).
Want to know how to fold a shirt like that? You can find the instructions HERE. Note that I started with a 5" x 7" sheet of paper so the finished shirt would be small enough to fit on the card. :-)