win39: I normally love this type of water shot which shows details below the surface as well as above. Pretty image, but I am disturbed by enlarged scale below the surface. The diver and ladder are much to large in comparison to the man and ladder on the boat. I am disturbed by backlit and cloudy above the surface and sun bright and from another direction below the surface. I am disturbed that the ladder above and below the water are at severely different angles. Seems to me if you are going to Photoshop something like this, it should at least look real.
I'm sorry, I find a sort of twist along the axis of the ladder (above and under) that doesn't look very natural to me.