Here's the new shot at it. I did use a terrain, though not one of the pre-sets. I just took a plane and edited it with a 'raise elevation' brush...not too much the first time. [I'll try other variations on this theme later] Then, in the bump channel I selected 'waves' and [with two layers selected] messed around with amplitude, perturbation, angle, etc. I used nearly 100% shininess, 100% reflectivity and 90%+ transparency...though the transparency doesn't seem to show with the other effects competeing with it.

Anyone know how to bring in some of those righteous sky scenes that are offered when you open a new document? This is just rendered over a pic. from a CD of stock photos.