Choose colours cobalt blue, raw sienna and neutral tint a little burnt sienna (or paynes grey which has a little more blue)

beware the neutral tint will give a very strong dark colour

 ripples1    ripples1a    ripples2

Horizon line is 1/3 down the composition. Mix lots of paint cobalt + paynes grey

Turn board upsidedown. Wet paper with clean water paint downwards vertically with broad strokes There should be a paler area in the middle. Dry

  

Paint in background trees wet-in-wet with cobalt + raw sienna.

Use the same ble you used for the sky to add in some waves. Note they are irregular and overlap in the middle

 

 

  

Paint in the darker trees with dry brush techniques. using the same raw sienna and cobalt blue
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Add in the reflections roughly wet-in-wet   Add maore darks to trees and the water