Hi Woody - Excellent photo you have presented us here. Beautiful model, excellent lighting and post production, and the comp is fabulous.
It's tough to crit since it's near perfection, but having delt with ad agencies before, I can offer you a crit on par with theirs. The lines beneath her eye should be removed, also her upper arm where it meets her chest looks "fat." I would never have used the word "fat" but one of my wedding clients is a graphic designer for an ad agency and her editors call girls in a size 4 too "fat!"