No, she won't lose marks. It would be handy if we COULD wear an SJ jacket for WHP, but you need a tweed one. What I did when I was competing in Dublin Horse Show (RDS) was that I borrowed a tweed jacket from a friend. I can tell you ways to get your turnout marks 100% without splashing out loads of money!: Ok, borrow a tweed jacket from a friend. Pop into a cheap clothes shop and get a light blue shirt (If you have an old school shirt for this, it's perfect). If your father works in an office, ask him if you can use an old tie of his, of, again, a school one is fine. Canary yellow jodhpurs , or cream jodhpurs since this is just a novice, are fine, too:) Your normal riding boots and gloves, and if you have any small badges, put them on the tweed jacket and say 'It's a stock pin!';). A velvet riding hat/skullcap is lovely too, but if you're stuck, just use your regular hat:) If it isn't peaked, my advice is to invest in a black skullcap to make it look better! No martingales allowed in WHP, and if your pony needs a whip, try to find a brown/black one for extra marks. Also, put your hair in a plait (If you have long hair) and tie a ribbon at the end. If it isn't very long, put it in a low bun, put a hairnet over and tie over the hairnet with a spotty scrunchie! Message if you want pony turnout tips too:) Oh by the way, if you have stencils for your pony, make sure they're regular symmetrical stencils, not hearts, stars etc.:) Good luck!