Shot as jpeg. Cropped from a larger image. Curves, Made selection of her - darkened background slightly, dodge & burn on her. Cloned out a couple of small reflections on the wall. Sharpened, saved for web.
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This a bizzare photo. I say bizzare because on one hand she is homeless but on the other hand I get the impression that she's content. The balanced composition (subject and ATM) and vibrant colors convey a sort of symbiosis of the situation that seems rather positive. She's relaxed and carefree and in a good spot for handouts. Now whether this is all true or not is beside the point but the photo conveys this, IMO.
she picked a perfect location...you can do a withdraw from the ATM and deposit right to her...of course I don't see many people dropping a $20 to her but maybe she gets a lot of change. Very nice example of street photography