Take the censor bar off. :/

Nice choice of colors for the shadows. I like the use of cool tones for them when the girl is mostly warm colors. Keep an eye on your light source, though. Some of shadows and highlights are coming from the wrong angle. Also, when you're shading, pay attention to where you have curved surfaces and where you have surfaces that are comparatively flat. Nice ambient light on the breasts and arm, though the direct highlights on the breasts aren't even.

The wrinkles on the shirt are well done. They make the fabric look light, which looks nice. I also like her position and the position of her hand. That combined with her facial expression gives her a good attitude. Though, the anatomy could some work, especially the head and the stomach.

I strongly suggest adding something to the background. It doesn't have to be a complicated object. Even slight variations in color can keep it from looking flat. I will say that the color you chose for the background compliments the other colors in the drawing will.