This was the original:

I Used Painter 5.0 and "clone painted" this from a photograph of a lagoon nearby at Ko 'Olina Resort.
This was compiled in Photo Impact by using pebble stamps and filling the bottom with water fill & the clouds by using a cloud fill, then adding water grass stamps & resizing them.  The toughest part of this was cleaning up the palm branches because of the difference in sky color.  You'll notice  a strong resemblance to the above picture, which was from the same photograph I used above.  I just sketched in the sailboat. 

However, from small photographs of rocks (which became the "pebble stamps") I could create rocks & mountains.  Fun, just to see if I could do it.