Tutorial - Curves on Girls by *Ai-Bee on deviantART. Reaaaal good tut on different body types. In her deviant there is also a lot of links to others tutorials for men and women body types. If you draw characters, go see this.
I've seen this photo before. Before the drawing. [Personal work, 2013 -Cameron Stewart spectacular illustrator, wonderful mix of black and white control and crosshatching shading, especially with hair and background]