First, the model Jessica is beautiful and this is a wonderful B/W of her here. That being said and not a photographer myself, I appreciate how she took this photo and what is trying to be conveyed here. Its obvious something has gone wrong whith what looks like mascara running down her face and that "not again' look on her otherwise pretty face. Even with that 'dissapointed' look, one can see how pretty she is and the was taken at a great angle that draws you totally into this photograph from her face to her sexy legs and back again.
Well done with lighting as well and a nice B/w photo !
Lovely b&w which highlights the contrast between light skin of face, arms, & legs with dark tresses, eyes, and towel (such gorgeous positioning of legs & feet)... Also, a great side pose with (of course) great aura & presence - the sense of vulnerability with towel playing the role of "should have known" ... Amazing