One of these days I'll figure out how to draw people. In the meantime, I draw what I can--horses.
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Done entirely in Photoshop without a tablet. I use a trackball mouse. Mr. Pen Tool is my friend.

Watercolor effects from Watercolor II brushes by BittBox.

The crinkled paper background done using a texture from "Grungy-dirty-patterns" by Obsidian Dawn.

Ornament in background is a brush I created from the scan of a book cover.