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I threw everything on the camera into manual, shooting at f/5.6 to try and eek out some kind of out-of-focus background, placed Amy on a rock with the creek in the background with the sun providing some hair light, and used my pop-up flash as fill. Luckily, I found a place with some nice shade on her face, and the specular highlights from the water luckily turned into some nice bokeh at f/5.6. And the portrait was made. The image was double raw converted -- one warm version for Amy and a cool version for the water -- and both layers masked together in Photoshop.
It's funny how things happen when you have a camera in your hands. Sometimes you find yourself in the most unexpected situations -- in the center aisle of a church chapel in London as snow falls outside, on the back of a boat in the Gulf of Mexico hanging on for dear life, and knee deep in a snow bank in the Rocky Mountains. As a photographer, you curse the moments that you miss an opportunity, you become frustrated because all your images seem to look the same, and you take shot after shot knowing that the next one will be "the one." But ultimately photography can be a passport into so many things in life -- and this was truly one of those times that will be long remembered -- Boulder karma as Amy said.