Well framed and good use of photographic "rules". Very crisp detail in most of the shot. If you could've somehow included the scent of pine trees in this image, I'd give you a 10. ;)
Looks cold (bluish cast). I'm not trying to be disrespectful here, but with a lake of that size couldn't you have found a location to shoot that didn't have intruding bare branches on the borders of your image? I do like the way the pine tree is isolated against the blue tones of the water. Good luck in the challenge.