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A photo charter is organized by someone who co-ordinates with the RR and basically charters the train and it's crew for several hours or a day. The organizer pays the RR a negotiated fee and the RR provides the train and crews which are at the direction of the Organizer. Usually, the Organizer will set up locations that he/she feels would be of interest to photograph and arranges the variety of shoots in a logical fashion. Often the RR has some input as to the logistics. The Organizer then sells tickets to attend the scheduled shoot and participants get to shoot scenes they wouldn't normally see during the regular operations of the RR. Some Organizers arrange for extras, such as horse and cart, old cars, people in period dress, etc.
Photo charters are also done for non-RR subjects, maybe workshop or location shoots are more familair terms.
Wonderful composition! Train with glorious steam clouds, horses and wagon and even a dog! Interesting B&W processing, very nice. My only nit is the strong white halo along the hills on the right. Given such dark processing, my eyes keep moving from the train to the white edge of the hills.