Fay,
Thankyou for such an in-depth, helpful critique!
After thinking about your comments, I am wondering if a slightly tighter crop might improve this image - the splash of colour from the sail was what attracted me to take this photo in the first place, and I would like that to be the main focal point for the eye to gaze out from .... maybe I'll try another crop and see if I like it better!
Thankyou again!
Lenita