Haha! Loving your horses. Always a different kettle of fish studying animals.
Your studies are coming along well although try drawing people from life to get a better idea of different heads in particular, there are some real freaks out there . I fell into the trap of drawing too similar people when drawing crowds.
Really like your digital painting though, I'm bloody awful at it.
With the woman your trying to draw, try building her skeleton first [rough and lightly with pencil] to get an idea of her posture. I found that understanding the skeleton of figures first really helped. The old stickman thing basically.