Lon, I see “through the surface” in many of my reflection abstracts. This is simply due to the amount of light reflected by the surface vs the amount of light refracted from below the surface. When the two amounts are roughly equal, you see both. If you look closely at my Icy reflections post, you can see leaves on the bottom of the pond in several places where there’s open water. The clarity of the stones on the bottom in the blue areas is more typical of a straight through the water shot, so their presence is quite striking. Looking carefully and after you’ve pointed this out, I think I see some subtle color differences in the gold areas that are also due to the stones on the bottom.