Refined: Subject and background are considered and location has an importance. Background maybe greater or lesser detailed depending on location and preference  
q.jpg
Untitled-1.jpg

Loose Refined: Almost the same degree of finish to the subject but the background or location is not important and is therefore loosely treated

anna-sophia .jpg
gomes.jpg

Loose: The paint is applied loosely throughout and less defined in face, clothing and background

shana portfolio.jpg