Was testing reflective surface....
Much better now !! yaaayyyy !!
All elements simple, Trees from the free Xfrog stuff, buildings knocked together in about 5 mins in Blender.
Rendered in 4 crops, Mem usage topped out for whole image. Total render time about 1.25 hrs on Quad Core Xeon (Dell Workstation, 4Gb RAM)
Composited in Photoshop on Mac. No Post processing beyong copying all 4 parts into a single bitmap. There is a very slight jump in graduation in the sky, noticeable mainly on the right side of the picture. This could be minimised or even eliminated by cropping differently.
No awards for composition, lighting or modelling..... it's just a test, but I liked the look.

Rgds
Chris