Worked some more on this, mainly the hat, neck area and clothing. This is a picture with lots of light and shade of varying intensity and allows me to practice getting the tones to look convincing. One thing I've learned is that if I see a particular area that needs to be darker, it's sometimes better to achieve that by leaving it alone and lightening the adjacent areas instead. For me,it's all about constant adjustments, little by little, always being mindful of the picture as a whole.
Rachael's hat and dress were rendered only with some of the colours I've already used on her skin and the background. It gives the image a green tinge I think, but I like it. It's almost finished, just a few minor adjustments to do here and there.