Thanks guys....I ended up doing two things to get this image to work.  First, I ended up eliminating 5 of the lights I had in the scene.  This will create more postwork for me, but it cut the overall memory cost by about half a gig.  Next, I used (am using) the area render to divide the scene into fourths.  It's currently rendering the 2nd fourth, and it is currently estimating about 14 hours to complete.  The odd thing to me is that the 1st fourth never estimated above 5.5 hours, and actually finished in just over 4.  I'm not sure why the huge disparity.  I mean, there is a little bit more water and light in the 2nd fourth than the 1st, but not that much.  Fortunately, the 3rd and 4th fourths have absolutely no water, and a far less light, so I think those will go relatively quickly.