Thought I'd post this here and thank bagginsbill for helping out in this thread since I saw jj's image and she passed on the render settings to me. :)  

I did forget to lower her down though so it looks like she's in the water blush :D  And didn't quite get enough stuff inside to block out the sky dome showing through the window like it shouldn't have in the reflection. LOL

Now to find time to read through his whole post which looks really detailed. :)

(edit)

Then it tells me my file's too big, so you'll have to settle for the link to it in my gallery. :)
http://www.renderosity.com/mod/gallery/index.php?image_id=1446063

John