Now that is original....go into the local Banana Republic and take a photo of the manaquin and call it fashion. All kiddin' aside, would you see this photo in the papers or in the pages of Vogue?
Upon second look, bumping up a point. A nice vintage feel to it, and the longer I look the more I like the composition. Had there been a bit more crispness or focus, I would have scored it even higher.
It would benefit from a little bit more contrast.
The scene is also very busy like this: the way the photo is placed behind the neck, it draws attention away from your main subject. It is difficult to do that well with such a background.