you know what? Shell is really good. I really like that picture.
as for your fully coloured, they're not bad, kinda remind me of the techniques used by Xleena, though obviously they're different visual styles.
your fursona... well I can't see an otter at all, but then saying that I've only been able to draw animals for less than a year. It's hard to do, and what you have so far isnt bad at all. It's really quite good for your level. be proud of it