Not at all, Smkie! People are not my fort***233;, obviously. In the first drawing, the rider is wearing one of protective vests, so her shirt is hidden beneath it. Maybe if I alter the edge of the vest, or better yet, the start of her breeches so the vest appears to be off her back rather than having that unbroken line from shoulders to hips... I think I made her feet too small, too... Oh well... keep practicing...
I also agree with Doverluv, the horse's hindquarters are a tad too large - but maybe I can explain that away (he's got a really large 'motor'. Lol!)