Good effort. Neck is too thick. I still like it!

I think the way you drew the torso and pelvis works well enough. Good job with the bony land marks. I would recommend: 1. Making sure you get facial features aligned. As humans, we're hard wired to recognize faces, and can easily spot when something isn't right. This angle of the head is usually pretty difficult (where the nose partially covers an eye). There's foreshortening so it can be difficult to get facial proportions correct. Maybe try studying the Loomis method some to simplify the head. Knowing some perspective also helps. 2. Value composition. In the reference, the focal point is the face/head because the highest area of contrast is between the background and the head. We lose that focal point in your study. In your study, I'm seeing high contrast between her right arm and the background, and that's not where we want the viewer to look first, but our eye is drawn there due to the value contrast. Usually more information is lost in the shadows, so I would lower the contrast in that area, and increase the contrast between the head and the background. Here's a paintover of what I mean. Darkening the background means we can also play around with the highlight on her right earring and exaggerate it :) Good luck!

I generally like it, not bad at all, however I would say the head is a bit off, have you tried looking at it in the mirror or turning the page? that would help you find the mistakes. You might wanna also check the chest. Specifically I feel like the alignment of the eyes, the general shape of the back head and mouth need to be redrawn. The pose is a bit different but i like it, I also really like the shadows, especially in the bottom part