This was actually a commission I did for someone's D&D game. The miniature is sculpted so that her belly is exposed skin.....but the person I was painting it for wanted the black vest to come all the way down. So that's why it was painted that way. Thanks for leaving a comment!
Ahem... Ok picture is a bit blurry, but I am able to see nice looking shadows on the trousers & shirt. I cannot tell for sure if there are any different tones on skin and hair, there may be.
But, it seems to me that the area around waist should be painted in skin colours, since it seems pretty exposed, and not covered with this black hmm...vest (?).