Here is the second step in the progression of my painting(see first step here). Basically the drawing has been set to it's own layer and the general colors are built underneath. At this point I drop the drawing and start into it, you can see where I've started under the eyes. I don't really use layers until the end as a tool to adjust saturation and darks and lights, similar to a wash layer in oil painting. The colors are pretty grey but I work that out as I go.
I thought I would go with a bright yellow background to see if I could make it work. I've always wanted to use yellow like this beautiful N.C. Wyeth pirate painting.