Very nice attempt at the cloth banner, but I think you are hurt by the fact that your guide lines for cutting are still showing, and they are sloppy. Now if all the edges were black instead of just some, and if there was no flag color (as in the yellow) showing between the black and the edge, it would be much better. I think you are also hurt by the reds on the barding looking too pink. Darken the reds and use flesh added to the red to highlight it, and work on the banner and you'll improved scores.
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