Rain

It's hard to read the white text, but it reads:
"Anyone who says sunshine brings happiness has never danced in the rain"

I used some of the the Apron Strings Bigger Than a Breadbox kit. If you zoom into the umbrella, you'll see rub-ons on the curve of the umbrella top and then rub-ons used to create the handle.
I used scallop scissors backwards to make water-peaks along the bottom strip.

I think it still needs "something" though??? In the upper left, running off the page maybe?