At first glance, you'd assume this was made in late fall or early spring, but on the back (in Josie's handwriting) is: "Taken at San Francisco, July 1920".
San Francisco can be chilly any time of the year, but winter coats in July?
The two young ladies on the fake donkey are Hazel and Edith MORRIS, whom you met previously as Baby Hazel & Edith. Their mother Josie (my great-aunt) is at left, and their father, Samuel Grant Morris, at right.
A much younger Josie (the year before Edith was born) is at the top right of this week's Wordless Wednesday photo. Josie was also the mother of Owen and Howard Morris, whom you met in another PFF.
At any rate, the photo on the postcard was obviously taken inside a studio, so why the coats? Perhaps they were only props to bolster the illusion of being on a high mountain pass. Snow-capped peaks are visible at the far left.
I have absolutely no idea...
She doesn't resemble anyone else in my collection of studio postcards. I suspect she's one of the Swedish cousins, although they usually wore white in photos. Alas, postcards don't have the photographer's imprint, so back she goes into the "Unknown" file for another day.