Thank you so much; you are generous in your praise! Using UF 5.04 feels a bit like cheating, though. All I have to do is click the 'Lake' transformation button in the Mapping menu, adjust the water level parameters and it produces a nice reflection. I haven't tried any other software, and it seems to me that they'd be a lot more difficult to learn and use.
Thanks for the fave and watch! Your gallery is awesome too, and I have added you to my watch list.