Post processing notes:

No effects; just two photos (rowers and lake) that were blended together (i.e., 2 layers). Except for the tone and color adjustments, no effects were added to either photo. The rowers photo was translated to b&w just by lowering saturation to 0. The two photos were blended normally with the lake shore photo being primary (top layer) w/ 97% opacity and the rowers photo being secondary (lower layer). Manually erased (at various opacities) the lake shore photo to bring out the rowers and the rowers foreground.