Gold Bikini Personal Notes

By looking at references, the colors seem to line up like this.

Highlights and shadows are adjacent.

On top of the base color, add a darker color. Use a median color for the reflection.

Using a dodge (glow) layer, create highlights with a soft pen or airbrush.

From reference the surrounding area appears to have highlights, so enclose it as well.

It may seem like a no-brainer, but that's how it is.