I've seen a some of the submissions to this contest and I think that yours deserve a better place. Yes there is a lot of good stuff, but your painting really show the strength and will of the hero. Besides, I think the crusader is a freaking cool character to play with ^^.
Well...its basicly just a b/w painting and some layers with different blending modes (like soft color, overlay, color...) on top to put some color there. Its not the approch i like most, but it can save some time and i had just a few hours to finish this one