This post is an outlier because there’s just one photo, and it’s not monochrome.
This is Eva, my granddaughter, last weekend, wearing the new hat and shirt my wife bought for her in San Diego. To try something different, I put a border around it in Lightroom that makes it look matted.
The portrait technique isn’t great, neither is the background, and neither is the lighting. But the subject and the expression make the photo.