Create now a new layer, above the background's layer and insert on it the picture representing the sky.

Sovereighn of Umbrellas in adobe Photoshop 
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Create out of this layer a mask using next combination: Layer – Add Layer Mask – Reveal all. Select after that the Gradient Tool to make the sky's visibility appearing smoother on the bottom:

Sovereighn of Umbrellas in adobe Photoshop 
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Choose the next command: Layer – Remove Layer Mask – Apply and change a little the sky's color, selecting Hue/Saturation option (ctrl+u).

Sovereighn of Umbrellas in adobe Photoshop 
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Change the layer's type on Multiply.

Sovereighn of Umbrellas in adobe Photoshop 
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Now we have to represent the girl's reflection in the water. First we need to copy
 
the layer with her (ctrl+j), turning it vertically: Edit – Transform – Flip Horizontal and correct the distort level, applying Edit – Transform – Distort.

Sovereighn of Umbrellas in adobe Photoshop 
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Apply this filter to blur out the image horizontally (Filter – Blur – Motion Blur).

Sovereighn of Umbrellas in adobe Photoshop 
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Now select the Smudge Tool with the same adjustments use in the hair case and smudge out a little the girl's reflection.

Sovereighn of Umbrellas in adobe Photoshop 
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Blur it with Filter – Blur – Gaussian Blur.

Sovereighn of Umbrellas in adobe Photoshop 
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Change the layer's type on Screen.

Sovereighn of Umbrellas in adobe Photoshop 
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