Snowisland

I started out with a DEM of the Hawaiin island of Kauii,
converted it to a tga file then used bmptolwo to make it 
into a lwo object. This object was very large ( over 32,00
polys) I then used decimate to get it under 6,000 polys. The
water is just a flat plane subdived and triple several times.

The island is surfaced with fractilzer and the snow shader.
Snow shader settings are as follows:

snow amount: 8.2%
start slope: 50
end slope: 90
smoothness: 3

Y start: 1000
Y end: 1000
smoothness: 0

Luminous: 0
Diffuse: 100
Specular: 50
Reflection: 10

Fractel bumps: On
scale: .1
amp: 1.0
Granulosity: 20

Default colors
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The water shader settings are as follows:

min ref angle: 30
min ref value: 0
max ref angle: 0
max Ref value: 100

min trans angle: 0
min transvalue: 0
max trans angle: 30
max trans value: 100

wavelets: On
scale: 1000
trans variation: -6
ref variation: 100
bump amp: 100
bump scale: 50

depth att: On
fog dis: 2000
fog value: 100

all other settings are at the default.
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The rest of the image uses three lights:

1: distance light used with sky tracer
2: spotlight for extra sun light
3: point light for star

I also used the dof_blur filter.

The image was renderd in lightwave, the only outside retouching
was done in Colorworks. I adjusted the histogram and used Colorworks
jpeg compressor to get the file size from 193k to 41k.