The real question here is this: how are we able to see inside the boat in the reflection? The inside that is blocked (from the reflective surface) by not only bottom of the boat, but sides too. I am not saying it is a miracle of any kind, just that someone needs to point out some laws of optics, and reflection diagrams, illustrating how reflections are made.
Absolutely Slobodan, you put it much more succinctly than I ever could and so the question remains, how the hell is this possible?
As I said earlier, the world will not stop spinning if this remains unexplained fully (to me at least), but even now with all the diagrams and suggested explanations (and thanks everyone for being willing to chip in), the answer to the question as Slobodan has now explained it more succinctly above, is still an unanswered optical conundrum I think.
The only answer I can come up with, is that reflections are to some extent more of a shallow depth and vertical, than they are deep in depth and lateral - in other words, we see and capture reflections with a bias towards the vertical and with a shallow DoF (perhaps something to do with our vertical viewpoint and independent of what f-stop we use - who knows?). So the boat in the reflection is not representative of a three dimensional object at all even though we assume it is, but is in fact a two dimensional representation of three dimensional object in the vertical plane? Therefore even though the loch surface is horizontal and below the boat at all times, the reflection it creates is vertical to our eyes and hence we can then see what we apparently shouldn't be able see, such as inside the boat?
Wow, have I gone and come up with the correct solution do you think?
I will be amazed if I have
Dave