Thanks OCP and pijon for the comments.
Pijon,
I tend to agree on the water not quite right. The water's edge on the backdrop could be softened a bit.
And not wanting to sound too defensive, but...
The 'grid' on the window is actually part of the glass, like an etched image. The center is an arched opening not covered with glass.
The model is from DAZ and is called
Taranis. When you look at their image you can see the grid on the glass. Also, you can see I did a major re-arrangement of the elements of that model for this render.
Again thanks for the pointers. We don't learn without input on our efforts.
Robert