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Joe D.thanks for pointing me to that Harry Lord on JCs site - very cool item....
although it does look more like a craft project (as he says original art)... whereas the Johnson Postcard - the borders around each photo element were pre-printed to that size (not cut out by hand). Even so... it is a good counter to my argument and sort of knocks out part of it.
I am still not sure the Johnson piece would be 1910 or 1912 (more likely the 20s)... but that is just my personal scepticism.