This is stunning upon sight; her stern look pierces into the abyss, it makes me feel calm, but very pensive. Its draws the viewer into the picture, not just as observer, but actively pondering what she is thinking and quickly dissolving into your own thoughts intermingled with the overall beauty of the model; not sexually, lustfully, just comfortably as and welcoming as any morning (which is the time I interpret the photo was taken), laying on your own bed.
The rays of the light, or sun, delicately, perfectly highlights the curves of her back contracting beautifully with the dark hair of the model. The black and white emphasizes that duality of the model deep in thought, yet not tense, with enough relaxation.
The slightly shadowed white-bed and white of the light give prominence to the model; the selective focus on the model, with an out of focus window and transparent curtain is interesting and beautiful.