OK I got this idea with about 3 hours left in the contest. Then had to get everything set up minus the lighting that was not present and work with the idea with what I had on hand at the time.
Edits. Photoshop
contrast and color adjustment (minimal)
blur, dodge and burn
sharpen
Hardest part talking my girlfriend into participating in the middle of the night. I love the idea wish I would have had it a couple days ago with ample time to set up. Hoping it still does ok.
Statistics
Place: 61 out of 67 Avg (all users): 3.1455 Avg (commenters): 3.5000 Avg (participants): 3.0556 Avg (non-participants): 3.1630 Views since voting: 1088 Views during voting: 410 Votes: 220 Comments: 14 Favorites: 0
I will comment on this photo on the premise that you did, in fact, enter it into the wrong challenge. For surely this does not meet the between the neck and knee challenge.
Had this been entered into the chips challenge, I am not sure it would have done much better to be honest, although you may have gained some points as it does definitely meet the challenge.
Several problems exist with this image from a technical perspective. The very high ISO used has created a huge amount of digital noise. Running it through a noise reduction software programme, such as Topaz Denoise, would have been a good starting point. The white balance is off, giving a yellow tint to the image. This could have been corrected in post processing with a very simple adjustment. The image is not really completely in focus which hurts this.
I think if you were trying to emphasise the chips falling onto the table, then a different angle would have worked better. Right now, the chips get lost against the dark background of her top. I think you know most of this as you have indicated in your notes. I may also have been tempted to get in a bit closer. There's a lot of redundant space on the left of the image.
I think you certainly with a few changes in set up and processing you could have achieved a much higher score. Oh, and of course, entering it to the right challenge may have helped :)