It should be a lower rating (though still good) from me since this is actually very simplistic and rather unpolished but speaking as someone who loves it when people deliberately leave imperfections in their art, I love the texture and your understanding of light is already far ahead of me. The reflections in the water are a nice little touch, though I don't know whether the stylized and simplistic look to the girl's face is too simple or a deliberate artistic choice. Either way, you've got colors down pat (the umbrella is a tad too blurry, though), many props, mate.