Credit goes where Credit is Due:
My instructor, Drew Tucker, added the darker shading to her face, hair, chin, shoulder and arm. The sketch and under-painting are my work. As a note, he always asks permission before he draws or paints over anything we've done; I find it pretty valuable to let him go to work so I can see what something should look like without him having to re-draw/paint the whole thing.
Winsor & Newton Student Grade watercolours were used on this one.