Photoshop is a great tool, but its still supposed to look like a photograph.
I agree with her expression being a little strange.
Her hair would look fine with light to make it stand out.
If its back lit then where is the light in her hair? if its not back lit why did you set the girl in a puddle?? (which would be the reason for the expression)
[grin]
The skin is not great but it may be partially because of the background. I would do it black and white and adjust the reds to get good contrast.
