The ray of light peeking through the crack creates a blinding effect on the subject. The light is so bright that it blinds her vision, covering her eyes in the photo. The black and white filter makes the ray of light even more bright.
I adore black and white photography. There is such an innocence to it that covers all of the colorful flaws of a colored image. The asymmetrical line that is created in this image by the boats sail and water reflection is what caught my eye.