Water Reflections using Displace Filter

When I first got my hands on Photoshop, I headed for the filter menu to investigate some of the nifty things I could do with my images. As I worked my way down the available filter list, I eventually came to "Distort". In there I found a list of goodies that looked very interesting. One by one I clicked to find out what each would do. Then I came to "Displace..." ...

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