Went for a walk around Loch Clair last week, wondeful reflections were had, but being midday and quite gloomy I had no expectations of any good photos.  But some jiggery pokery on Photoshop seems to have brought something out.

Final Image

Starting RAW

Firstly I created two outputs from the RAW, one for the land and one for the sky and combined both layers using a mask in Photoshop.  This composite was still a rather flat image as there was no real light in the trees which still looked dull.  

So my first step was to create a new black and white adjustment layer and set the blending mode of luminosity as circled below.  I played with each colour channel in the panel.  As you can see I sucks the colour out of the image.

Next I made a Hue/Saturation adjustment layer and brought the universal master saturation back up.  This makes the blues too strong so I individually brought the blue channel saturation down.

Finally I created a quick curves adjustment layer to darken the sky a little bit and masked out the land.