Anthony Lopez submitted this image taken with a Nikon D80, with an exposure of 1/125 sec at f/6, ISO 100. Anthony utilized that late day directional light to capture this photo and it makes a huge difference, the light is hitting the frog and not blowing out the water. The detail is very nice and sharp, good job getting that eye in focus. Try a different crop, crop in more across the bottom and on the right side of frame just to the left of the grass to bring more attention to the frog. Nature photography takes patience but this is a nice clean shot of the frog, it just needs some fine tuning on composition.