Create an ultra-realistic image of a 22-year-old woman with light chestnut blond

Create an ultra-realistic image of a 22-year-old woman with light chestnut blonde hair, styled in loose waves that end just at the beginning of her shoulders. She is lying in bed, holding her iPhone at a slight angle to take a selfie as if for an Instagram post. The room is softly lit with warm, ambient lighting, creating a cozy and intimate atmosphere. She is wearing a comfortable, yet stylish pajama set or an oversized t-shirt. The bedding is plush and inviting, with neutral tones like white or soft grey. The focus should be on her relaxed, natural expression, with the photo capturing the authentic, candid feel of a real Instagram post taken directly from her iPhone.