First...nice looking young lady! You should do more shots of her, she would be outstanding in a studio setting.
I pretty much agree with most of the comments here, and regardless of the negatives, as noted, it is a shot I like. It has a real and warm look to it, and good eye appeal.
Just for fun....I took it in Portrait Pro and did a few minor "enhancements". Everyone has different tastes, and PPro lets you make as many or as few changes or enhancements as you choose. I often play with it on rainy days, just for fun.
Best Regards!
Attachment 78323