This is really well done Terry, super job! As for critique, here are a couple of things to think about
why are there white caps in the part of the pond (or river) closest to us? If there is wind or water movement I'd expect the reflections to suggest this movement.
Why are there are no reflections of the tree trunks in that part of the pond (or river)? From our point of view those tree trunks should be quite visible as reflections in the water, not the tops of the trees.
Again, what a super painting.
<insert suitably humorous or philisophical signature here>
- Eric -