Took me a few hours today :)
TadaaaaI had a reference image, for the most part, but after the sketching and preliminary paint layer I put it away and only used it for figuring out lighting problems, so it ended up not really looking like the girl at all...
I need to make a habit of saving work in progress images for these. All I have for this is the initial sketch and the photo I was working from. This was just practice and brainstorming, so I pulled a random picture from the webs to work with.