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Well, this is a stab at an 'above' ground map (recently I've been working on caves) using many of the same techniques.

The water effect for the lake turned out fairly well. I really didn't care about the surrounding forest areas (I need to learn how to do that) but I'm happy about the use of the 'tower' icons that I found on the forum to use as markers for my settlements. Additionally I tried adding "Cliffs" as an element on the left-side of the map on the shore (kind of like the white cliffs of Dover). They turned our fairly well also.

I tried to work on labeling (other than the scroll at the top) but it didn't turn out so well. I added a shadow effect behind the letters to pull them off of the page.

Any suggestions or feedback is welcome.