WINTERS KISS by JACKIE GAY; Grade: Merit
I assume it is a wedding shot. If so who would be mad enough to get married in this??
Having said that it is a nice image. The viewer is lead across the image from left to right, although the pond at the left does distract a little. You could crop this image into a vertical around the couple as well.
Contrast and brightness are good and the image really makes you feel cold. I am assuming that the gray spots that look like dust spots on the sensor top right are in fact snow but I feel that they should be removed. The falling snow in front of the couple is ok.
Again I would go and have another go with this image in Photoshop and see what you can do to improve it.