Texturing & Shading
I used Photoshop to make the textures and I used a combination of real photos (Fig.10).
For the skin I used the Mental Ray SSS shader. I then made a diffuse map, epidermal map, bump map and specular maps for her skin (Fig.11).
I used Mental Ray to render the scene. The settings of each material can be seen in Fig.12.
Fig.12 - click image to enlarge
The sweater was done with the Mental Ray architectural material (Fig.13) and the sweater detail can be seen in Fig.14
Fig.13 - click image to enlarge
Hair is an important part of any realistic character. I used Hair&Fur to create the hair for the girl and the settings can be seen in Fig.15 - 16.
Lighting & Setting
I used five Free Area Lights with Final Gathering applied. All of my light and render settings can be seen in Fig.17.
The render times were becoming crazy, so I found it much easier to render the hair in a separate part, and then to combine the parts again in Photoshop (Fig.18).
And with that, my image was complete (Fig.19)!
Fig.19 - Final Image