The lake where we spent our vacation in Corinth NY. Beautiful clouds on that morning, shortly after a beautiful fog (and foggy sky) burned off!
Tripod mounted, two exposures combined, same aperture, one very long to blur/smooth the water, one short enough to catch the clouds in the sky. Also used a GND. Manually combined in PS (result in photomatrix wasn't as good).
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This is a nice shot. I would have preferred for the horizon line not to cut through the middle of the picture, but the overall effect is very pleasant.