Many of you were very keen to spot what was wrong, but there was more than one thing wrong.
The most obvious thing was that the elbow is really really sharp. No one has elbows like that. If you can get 2 straight lines to parallel the point of your elbow, as I did above, it is too sharp.
The less obvious thing was the other arm. It is not proportionate. From the solder to the elbow is way longer than from the elbow to the wrist. If you draw lines on these sections, as I did above, and one line is way longer than the other, you have a problem.
As far as the shirt no being "on" her. That is not a problem. Often times it is necessary. The only problem is that the hair is too long. If you think you might not be able to "snap" the clothing on, select a short hair before you start your scenery.
I hope this helped!