Okey I am going to be little bitch here, I really do not like it very much. For me its a so so photo.
My not liking it may be because of the reason that I am not able to think what you thought about it. Or may be I am not able to feel what you felt.
But seeing that scoring high on DPC is not you wanted to do here. (I have not doubt that you are one wonderful photographer) I feel happy that you are submitting what you like. I truely admire this.
In this photo the most troubling part is the top of the photo, where the couple is placed too close to top, suggesting a lack of balance. The photo looks unbalanced and bothers the eyes. The larger black border might have helped it.
The processing you have kept it simple and probably that is the soul of this photo.
I wouldn't call it underrated in fact by DPC standards it has scored more than it might have.
Dramatic leading lines. I like the gesturing with the handbag dangling, conveying an animated conversation on her part, and the closed-up body language of the listener. This is one of those shots that gets better the longer I look at it.