Thanks, spapad, I appreciate it. The upper arm is actually too big and there are way too many mistakes on it to be any good but it's the best I've done in a while, and I kinda tried to make the picture bigger to see better, didn't work, but thanks for the encouragement.
It's done in pencil and watercolor, I am applying several layers but perhaps I should have left it well alone in sepia. If it doesn't improve, I'll start all over again. I'm not after it being exactly like the picture because I like to give it my own little twist. Whoever took the photo was very close and it's a great posture. Now I have been toying with the idea of first starting to draw the naked figure and only then add the clothes so I have a better idea of what goes where, you see?