Paul - I think you have captured a really wonderful portrait here. This very attractive girl looks so happy and cheerful in her delightful headware. Considering the glare of the sun, for me, the exposure is just right.
I am no expert, but here are just two things I should like to change and they are refelected in the mod.
First, I feel the area to the right of the picture is serving no real purpose and because of the person on the other side, it serves only to unbalance the image.
Second, the woman on the other side plainly has her eyes closed or cast down, which to me is in opposition to the main character. In the mod I have made her eyes rather more 'ambiguous'!
I've just added another mod where I have cropped a little more - it feels a little better to me!
I hope some of this is helpful - it is only my opinion and I hope others will offer different and constructive suggestions or opinions also.
All the best - David

Wonderful splash of colour against a contrasting background - but somehow it looks a little overprocessed to me.
David

Wonderful image and a good composition - it looks like a beautiful evening shot, but there does appear to be a bit of a blue caste on my screen - but that could well be my screen!
David

An interesting and strong composition, but what do you think of a little more light and contrast? It also seems a slight shame that the stern of the near boat is just out of shot.

Very imaginative image - the eye is superb and the reflection is so effective - I do wonder if perhaps the reflection could do with a bit more contrast and light - what do you think?
David

I really like the eye contact and the overall composition and I think it works really well in monochrome - but I wasn't sure that all the space to the left really contirbuted to the overall effect - I've submitted a mod out of interest.
David

I really like the idea of the image - in fact I think V3 has great retro feel - but as you asked Chen, here goes - tho' I'm sure there are those who may disagree - and that's really fine.
For the mod I did the following on the large V2: 1. Levelled horizon 2. Moved walking woman to group 3. Cropped 4. Removed 2 in sea 5. Moved the gull 6. Little unsharp mask 7. 15% Photofilter 81 8. Pianstakingly selected as much sky as poss then darkened the highlight - increased contrast - more cyan and blue - increased saturation - moved hue right a smidge 9. inverted selection and increased saturation, lightness and contrast.
Other than the sky I'm not sure that it's a great improvement but I hope you think it's OK.
David

Really nice effect with excellent colours and the detail of the trees against the sky with the extra space below works really well. Have You tried 7 exposure HDR in Photomatix Pro? That way there is a wide range of exposure and it is possible to reduce the halo between the trees and the sky which is so hard to avoid with outdoor HDR. Just a thought
David