James.....and Jim. Thank you for taking the time to offer advise, I really really appreciate it! I've posted photos on another forum hoping for just this type of feedback, and didn't get it. So thank you, because it does help me learn!

I am also new to photoshop, I'm working with Elements 6, and learning on my own, until I start a class that I will be taking over the summer and fall. I am very open to someone playing with this photo to show me how they would adjust/fix the highlights, if they have time.