Awesome
I think this is great. You're a few steps away from true professionalism, but given some of the challenging things you took on, I think you were really successful here.
Compliments:
The textures for the stone, wood, trees, lamps, and towels are all very nice. Those palm-leaves on the trees are great; I like the placement of the leaves, whether by algorithm or manual positioning, and the material really looks like that plastic you find in bathrooms. The "tile" form of the back wall is appropriate, and maybe that would've worked on the floor as well. The silver hardware has the right amount of reflections, and the towel has the right amount of coarseness. Lighting, specularity, and radiosity all look right as well.
Nitpicking:
The furniture-wood looks a little too perfect, as if some long-range noise would do it more justice, but that's only noticeable in Full View. Those lamps seem like they look REALLY cool at even higher resolutions, but right now they look a bit confusing. Also, the light-source from the left isn't really intuitive. It makes me think there's a mirror off-screen that's surrounded by bright lights. Finally, the furniture itself looks off. Somehow the angles look too sharp, which I know isn't right because I can see you beveled them (yay, beveling!).
Lastly ... is this image anti-aliased? I'm looking at the towel/toilet paper and its silver holder, at the tree leaves, and the silver cabinet-handle: doesn't that look strangely pixel-y?
Still, overall it's worth a 10 in my book. :-)