Final version now uploaded - http://www.renderosity.com/mod/gallery/index.php?image_id=2175559

I don't think the water worked though, what kind of object should I use to assign water material to.

Software: OS X 10.8 - Poser Pro 2012 SR2 - Luxrender 1.0RC3 - Pose2Lux
Hardware: iMac - 3.06 GHz Core2Duo - 12 GB RAM - ATI Radeon HD 4670 - 256 MB