Morag’s crying a lot about Queen’s congratulatory message? (9,4)
I believe the answer is:
Here is my best explanation:
'congratulatory message?' is the definition.
'morag's crying a lot about queen's' is the wordplay.
'morag's crying' becomes 'greeting' (Scottish term for crying- Morag is a Scottish name).
'a lot' becomes 'scad' (scads of something can mean large amounts of it).
'about' means one lot of letters goes inside another.
'queen' becomes 'r' (r is abbreviation regina. e.g. in ER ).
'scad' placed around 'r' is 'scard'.
(Other definitions for greetings card that I've seen before include "It's used for wishing well", "Means of salutation", "item of Christmas post?", "Valentine, for instance", "way to convey birthday wishes?", "message of good wishes" and "means".)