Well I got an answer

I still feel pretty dumb. I misunderstood the directions for the rules of the contest. During the chat, I gathered from the questions asked, that I could use a photo my husband took. That anyone could use any photo as long as it wasn't a professional one. Meaning, an old photo or one a family member took, as long as it didn't have copyrights to it. That was not the case.

I mean honestly, if I had thought that, I certainly would not have chosen the photo I chose. I used to be a photographer! I have a million photos! I chose that one because it has a lot of meaning to me. Even though my H took it, it is still my photo. It was taken with my camera. Sheesh.

Oh well, at least it wasn't because I suck.