In answer to your question, Carol, it is completely reflection. But - I must confess to some "cloning" of clouds to remove the photographers bald forehead which was also in the reflection.
Carol and Kal have wonderful eyes for details, and this image is loaded with them. The reflections and soft light give this image a soft, ethereal context -- perfect for the icons, flowers, stars and street reflections tat float within it in such vivid colors. You have found the Virgin of Guadalupe's spirit in this image, Tim. Kal calls it simply celestial. An apt word. Heavenly, indeed.
My eye was drawn to this one in the thumbnails. It does look of the spirit! Is this a window reflection or a composite? I love the colors, so saturated. Beautiful image so well done!