I'm confused by a number of oddities when comparing photographs and anatomical drawings.
First up are the pecs. The insertion point looks like it's on the arm by the deltoid. The drawing shows that, but why does it look so differently on human male? I image it's the skin and fat doing their job, but how does one sculpt this correctly when using reference?
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Take a look at this for example - could not find better image but this should do the job
you can see how the clavicular part of the pectorals actually goes above all the rest so this is what you see on the photo.
Hope that helps
Edit: you might need to find some better reference. I love Paul Richer anatomy book that was recommended by Scott Eaton and he was also using to teach his class.
Or what Slosh said below
The angle on the 2 images are different. Both are accurate. The pectoral does originate from the same place. In the photo, the man is hunched over whereas in the illustration, the body is completely upright.
Deltoids overlap the insertion area of the pecs (which is the upper arm bone).
Anatomy illustrations sometimes are based from cadaver referenses when muscles have dried up and contracted.
You can use artistic license of course, exaggerate cuts and definitions to suit your needs.
Also, there's a wrong number of serratus anterior, and the striation direction on the obliques seem off wrong when compared to the pic.
The trick is to learn a Generic 'Average Human' Anatomy, this is where the muscle groups go and what the optimum proportions are.
Then this becomes your base upon which you tweak the weight, muscle build, fat, bone structure and proportions to fit real photo references. While still keeping the correct groups etc.
Also one major thing you have to be very wary of is body builders, they train their muscles unproportionately. When you should treat them as a whole body rather than individual muscle growth.
See where the lat "ends" by the lumbar facsia, what's going on there? What is the muscle attaching to? In most images, it looks like its white connective tissue?
but it can look a bit boring if you copy anatomical ref exactly