I liked this photo when I saw it. It is a very pretty shot, but I wouldn't call that tacky. Even with the desaturation of color here I would have to say it is a beautiful attention getter.
If I were you I would print it and take it to the mall where you took the photo and offer it to the mall office to add to the mall scrapbook. Include a business card or at the very least your name and phone number written on the back of it. Often photos like these are bought for the holiday advertsing the following holiday season.
I really love the tones and color in this photo! Great job, in that respect. Just wish you had blurred the background a little more to make it less distracting from the main subject. Also, I wish there was a little more light shined on the wreath.
Technical: Sorry, but for me this doesn't fit the challenge- I don't think it's tacky I think it's kinda nice! Perhaps full color would have made it look tackier. Exposure composition focus lighting all excellent.
Personal: I think this is a lovely photo, the silvery tones make it look quite elegant to me.