Realistic Wavy Hair Portrait

Create a realistic, softly lit vertical portrait photo of a young adult woman indoors, framed from the upper chest to slightly above the head, centered and facing the camera. She has {argument name="hair color" default="dark chocolate brown"} long layered hair with loose natural waves, volume at the crown, a middle part, and face-framing strands falling over both shoulders. Her actual face is completely obscured by a large centered vertical rectangle covering from the upper forehead down to the chin; the rectangle has a smooth warm skin-tone gradient from darker brown at the edges to lighter peach in the center, with sharp straight edges and no facial features visible. She wears a fitted {argument name="top color" default="white"} long-sleeve scoop-neck ribbed top, small silver hoop earrings, and one delicate silver necklace with a small star or flower pendant. Use photorealistic detail, natural hair texture, subtle skin detail on the neck and chest, shallow depth of field, and a bright neutral home interior background with cream walls and soft blur. Composition is vertical 4:5, clean lifestyle photography, realistic lighting, no text, no watermark, no extra people.