today's life drawings

I'm pretty happy with this 20 mins drawing.

The model's name is Deanna. Below conveys more of her facial features, although I only spent a couple minutes on the face towards the end of the 40 mins drawing. I only photographed this part because I did a poor job with the legs.
If I had more time, I would probably refine it a bit more towards sth. like this:

What makes the "finished" feeling? I suppose at least shadow accent, consistent texture, and complete contour line will make a big difference.