About the only thing that spoils this mini is the yellow under the cloak. It looks too flat and to distracting. Perhaps if you pale it down it would bring the mini up. A close up of her face would help too. Nice work tho.
Hmmm... nice paint job. The combination of the orange hair, pale skin tone and the red and white outfit makes the whole model have a "scottish woman having gone to England for several weeks holidays" look to it. The sournding background making it look like she's stepping out of an english pub or something just amplifies that look. Don't get your header though "Ladys Don't Gamble" must be scottish humour or something.