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, +2 colored ornamental bg = 6 x 2 Gift Bonus = 12 + 10 Secret Santa bonus = 22 gold

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