Generate an SVG as a holiday greeting card illustration. Bold playful cartoon style. Background fill #E8F4FD. Draw a simplified snowman at center (3 stacked circles in white with blue outlines) with a scarf shape and stick arms. Scatter geometric snowflake shapes in #4FC3F7 across the canvas. Add small dot snow scatter. Jolly winter scene. No text, no labels, no emoji. Output raw SVG code only starting with <svg.

The image shows a cartoon snowman wearing a blue hat and scarf, surrounded by snowflakes on a blue background.