Where do I write in a greeting card?

Nothing to do with anything science, but hoping someone might help me out here... i I want to design greeting cards online with amoyshare.com .The printed text inside a greeting card is almost always in the middle of the right side. Particularly when the text is the punchline to the joke on the front of the card, should I keep all of my own writing below the text, leaving a huge space at the top...or write both above and below the text and risk distracting the reader's attention from the punchline? I could possibly write on the left side of the card, but it doesn't seem quite right to me.

...or am I just thinking about this too much?

What do you guys think?