Other than being focused (only) on the quarter, it looks good to my eyes. my exif data shows 200 ISO and I think that white stuff is mainly dust rather than noise. What I would've done differently (not necessarily better) would've been to use an aperture closer to f/8 to get both the car and the quarter in focus and to optimize sharpness. I would also probably set the flash compensation (if using the built-in flash) to around -.7. I also usually have my exposure compensation set at -.7 (Hail Ken Rockwell!) since the D40's metering is off a little. Seems to work pretty well with most things, though I usually don't shoot models like this.