Okay - no idea how I missed this before!
I frequently visit http://www.peppermintcreative.com/, and while browsing today I came across this INCREDIBLY FABULOUS reference!!
So...."What is it?!", you ask! "It" is a table of phrases to use on your scrapbook pages and cards!! You can use them as titles, highlights, labels.....SO COOL!!
Check them out HERE - they are even categorized for you! Wow....someone was rockin' the brain-gears when they came up with this!