4 - Perhaps potential for a painterly feel in this, but don't think you have taken it near there with the processing, as is seems somewhat snapshottish and a little blurred - which could well be your intent. The bedhead and composition is a little distracting.
This suffers from several technical issues: an incorrect white balance setting; soft focus (which might be preferred but appears to be a defect here); a crop that removes a small portion of the top of the model's head; blown highlights in the sheets at upper right. These issues are easy to spot, and should have been addressed when setting up and processing. As far as "fine art" is concerned, for me, this doesn't qualify. Otherwise, your model is posed nicely, and the choice of angle is good.
I like the pose that you model has here. Personally I think that there is too much of a yellow tint to the shot, if it was not intentional you can remove (lessen) it by adjusting your white balance.
The lighting here draws me away from the model on both sides, and the bed-head is rather complex and distracting. I'm also a little unconvinced by the soft focus - more 'soft porn' than 'fine art' here I'm afraid.
you have the right idea...but for me the headboard is distracting...if you had angled her on the bed a bit more...surrounded in white sheets only...to me that would have had a more luminous effect...mind you this isn't a bad shot...I'm just sharing my opinion...hmmm
Would I hang this on my wall. Probably not, but still a very interesting picture. However I judge on what I would hang in my apartment. I am not sure if I would classify this as "fine art". Nevertheless a good pic. for an other competition. At the moment you will have to live with my 5.