This photo is really two photos that I layered in Photoshop. One photo is exposed for the sky and the other is exposed for the water. If I had taken only one photo, I would have been able to get either the interesting clouds, which are fairly bright, or I would have gotten the sky reflected in the water, which is the darkest part of this scene. I often layer photos but normally I use a tripod. Because I had no tripod, I had to try hard to get exactly the same thing in both frames. I was close but not perfect. The hard part was aligning the masts in the sailboats.
Canon 5D, 24-105 4.0, variable exposures, iso 400