Here’s cabinet card #3 from the C. Murray Album, a lady in her 40s I would guess. From what I can find, the Hutchings Railroad Photo Car was a train car set up as a traveling photography studio. The other cabinet cards I have seen have slight variations on the inscription but all say the same thing. The studio was know to have operated in Nebraska in the 1880s to 1890s at least.
This lady has a mannish jacket bodice with an inset and rather lacy collar. The white fluff at the center could be a floral embellishment, and there is also a brooch at her throat. The neckline shows a blouse underneath the dress, evidenced by the thin white collar. The look of the 1880s and 1890s was trending toward an elongated neck, hence the stand up collars.