I have finally handed over the finished product, and I believe the lady is happy with the results. I don't know that I am completely, but it's time to move on!
For some reason I couldn't get my head around your overlay technique Flora, so I ended out simply using the dodge tool instead to create some highlights on the hair. Variations of layers is something I really need to read up on as talk of overlay, darken, lighten etc still leave me baffled!
Thanks to everyone for your tremendous help!! This was my first post to the forum, and I feel I've learned so much in that time (I hope you can see some of that in my original attempt vs. this latest one!)
You will notice the lady in the rose shawl - is now wearing blue! I just got lazy - I thought this colour looked nicer and the lady hadn't asked for a colour version anyway