Question

Who is the young girl on the photo ?

would that be be zara phillips daughter of princess anne?
might even be princess anne as a youngster!
that tall lad looks like william but i dont belive willam
was a member of the pony club (tie and badge give that away)
it looks more like a younger version of charles.

how close am I???

Yes.... She is... Zara Philips and her brother Peter

cool! gold star to me !

gold star indeed, nice pic bud.