I found this carte-de-visite many years ago (I can’t remember where!) and kept it for a Christmas post or as this card says Xmas. I think the X has been clipped when they produced the card but it can be just seen on the edge of the original.
I searched for Craiggowan and found various results but the only one that made any sense was the Queen’s estate in Balmoral and the Craig Gowan lodge used by visitors to her Royal Highness. Perhaps they were guest or even staff?
Merry Christmas and a happy new year to you : )