An accident... :(
But it seems the rescue arrived soon!

I used a filter for water called vm natural.Lakeside Reflection. I can't give you the source link because they shut their site down.(sorry)

no out side sources used
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Spec..Thanks To My Daughter For Use Of Her Dog Coco's Picture.

I made it juts because I thought the idea was funny.

I used two external sources of Girl & Lightening, thanks to http://www.sxc.hu/photo/1174495
Author: lusi
http://www.sxc.hu/photo/869721, Leocub
Fire: Foreground red and background as yellow, filter, render, clouds, Use smudge and burn tools.
Rain: - Add new layer, filled with black, add noice, motion blur, overlay.