Ala Fallout 3. For those not in the know, they aren't zombies, mm'kay?
Now, moving on!
I've never drawn a ghoul before, and I had a desire suddenly to try it. I used the actual mesh from the game to give me some texture in the skin and muscles. I used that and colored/added over it, highlighting where to put the muscles and whatnot.
I'm not too fond of the hair currently and might redo it later

This isn't done, and it's over a hundred layers (working both with PS CS3 and OpenCanvas 4.5 on a wacom) .
I think she might be a raider or something. Her hand might or might not be holding Psycho or a bottle later on. Unsure...
Anyways, despite there being actually nothing on her you wouldn't see on a barbie doll, I censored her. (Seriously, there are no nips on her! @_@ )

Click here if you want to see the sketches and progress
Warning Beware the uncensored NON-NIPS!