No, she is not naked. I just didn't draw her dress. Geez! :o) I just realized that she looked naked when I pasted the picture. Oh well, I'm not going back in to draw it. It's her face I'm focused on anyway.
I must say, I like the way the beads turned out. I just slapped the color on there. There was white left on my brush from the last time I used it, so I just mixed it in with vermillion and this is the result. Not bad.