Jeanine, thank you for your comments and the reason for no skin tones are because those shown are only the beginnings of my oil. What you are seeing is some color but mostly my underpainting; I have much more to go.
And Peter, as to your post about sending you the reference photo, I am just doing that now. As I said, it is in black and white only. My original scan seemed quite fuzzy but I am sending it and hoping it is corrected. If not then I will send you another one.