The layout is finished on my raccoon piece, or so I believe. The fact is that Photoshop saves my work. I was able to rebalance the colour palette using a couple of sliders: that could have taken any number of hours to do by hand, and would likely have looked a mess when finished. I also used Photoshop to put a curve in the animal's tail.
There are a number of small items that need finishing, plus some text. The last ten percent of work on most pieces is when it comes to life.