When Annie and Henry were in India, they hobnobbed with the Raj and lived quite the high life, so I guess she could have been dressed for a special occasion. They returned to the UK when the war broke out and Henry enlisted. After the war, Henry went to China to supervise work on the railways there. Eventually Annie and two of her children joined him in China. He was killed in an accident 6 months after their arrival.

Thanks so much Carol, a-l, Colin, Jim, Hazelbea and Gadget for your input, much appreciated.
Caz