Thanks Mischa, I'm bothered by the older girl's neck too (among other things). I say it's not finished!
Here's a link to see the image better. You can click on the larger size icon over the image.
http://www.flickr.com/photos/portraitgirl/475956293/
Please let me know if this link is unacceptable; I'll remove it.
I'll have another session with this and hopefully just one more update.