Love the reflection, the colours, nice IQ for 1/200s, and really looking good for a Jpg. Do you shoot in RAW as well, sometimes?
Agree with Chris above about a lower POV, in the same breath I must admit I like this very much: colours are spot-on and the water has a nice velvety quality, as opposed to the subject's sharpness and clarity.
Really hoping to see more from you, will look out for your images in the future, thank you Bill for sharing this - I enjoyed viewing:)
Hi Bill, I'm not sure a lower POV would have helped, as you may have lost the angle for the reflection which is nice. Adding a Luminosity adjustment layer with a % reduction in Opacity I feel brings a depth & richness to the overall scene and cropping to a 16x9 from the foot of the image just tightens the whole comp up. Increasing your SS in the future will also help to.
Hi Bill - The reflection is great and I also like that we can see the rest of the frog through the water. Steve's suggestion of a luminosity mask is a good one. However, I would crop from the top not the bottom. Hoping to see more of your wildlife images.