A white sheet behind her lighted by the daylight. A reflector just underneath the face. And a bit of PP. That's it. Tried this lighting set-up based on Larus' "free". Not as good as the master's, but learning :)
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Well composed shot. Her look is captivating in that it keeps your attention, I don't want to look away. My problem lies in the b&w conversion. It lacks true blacks. Her pupils should be totally black, they aren't. It looks too flat for it to have impact as a b&w image. I would love to see the colour version.
This reminds me of that movie ('I know what you did last summer' perhaps) where the girls are in the pool and one of them slowly rises up with dripping hair. This doesn't feel right in B&W