I made a few changes to my entry to Free Study XII to try and improve on some of the criticisms. The differences are minor but I believe they are an improvement.
The major change was that I darkened the left side of the bus shelter as it was too bright and dominant when the ladies were the main subject of the image.
I know several commenters felt the image was too dark, but that is my taste and I'll stick by it. As far as neatimage use is concerned, it was unavoidable as the Pentax W10 is a real noise machine. It also seems to smooth details quite a lot, so there would not have been a lot more texture if I'd worked on the original. I tried adding noise afterwards but preferred this version.