Figure Life Painting Tutorial #2

Here's a tutorial about my approach and process, which will likely change with every time I do this.  I'm pretty new to it myself, so I hope I don't come off as being too experienced based on my wording.

(Because Blogger appears to have condensed the image beyond readability, here's an outside hosted one:
http://img268.imageshack.us/img268/5337/tutorialformatflat.jpg)