Gwen,
As with the others, I'm not an expert evaluator. However, the thing that strikes me is the handling of shadows in general.
For example, the shadow of the hat on her face seems to end abruptly. Also, the hat shadow comes down farther on her face in the photo. Additionally, the shading on the bridge of the nose seems to need some work to give it more form.
I would recommend checking all shadows and gradations into light areas.
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