Hello, it seems like the gold count is a little bit off ':> The  correct breakdown for this piece would look something like this:

+3  shaded colored bust, +1 other character bonus, +4 complete colored bg  = 8 x 2 Gift Bonus = 16 + 10 Secret Santa bonus = 26 gold

Please let me know when the description has been tweaked, and I'll add this to the bank asap <3