I used reference for portrait.I tried made different something such as,tattoos.I think they were added attractiveness.Maybe I should try actions figures.Also I prepared some steps about this picture.I made it in photoshopcs3 + wacom intuos 3 A4.. (approx 5hr)...

here is the steps; http://i130.photobucket.com/albums/p252/muzotwister/tutorial-1.jpg

High res: http://i130.photobucket.com/albums/p252/muzotwister/The-girl-with-the-tattoo.jpg

and some details: