Cut out building, placed over water layer, removed fish with clone tool
step 2 of 5
colour matched the building to the water layer, added luminance. using soft eraser on low opacity I removed the edges of the building to give a cloudy water perspective effect.
step 3 of 5
added the shalow water source over the image, with soft eraser removed some of the image leaving a surface water lit reflection on the building, lowered opacity to 10%
step 4 of 5
cut out fish giving it a tail, used cool blue photo filter to give it a water blue shade