How nicely done. I love the background. Good use of hat photoshop has to give there. And as for Krystal, I do not think I have nothing more to say that what other people do. I love the vivid colors of her, as long as the realitic way her fur is put.
This comes to my liking. Do you mind making more like this?
This picture really does look good though. There's something kind of emotional in the art style. It really makes you feel like you're out there enjoying the rain with her. Something about her facial expression tells me that she finds the rain to be a relief from something. Maybe it's that she was overheated, or covered in mud a second ago, or maybe it just feels really soothing, but the shading and everything you did just looks realy nice. If I were going to change something though, it would be the color scheme of her chest piece. I would probably have made that a brighter gold color instead of the shades of brown you used. A little more yellow shading on the upper half of it would do the trick.