Here is the lily pad, before/after.
The technique/tutorial I followed was the Watercolor, Pen&Ink one mentioned earlier.
Basically, created 2 dups, Desaturated one and used the Blur/Smart Blur Filter with Edges Only/High settings. I did do some pre-processing/cleaning up work on the pic before hand to clean up some discolored (brown) areas on a couple of the lily pads and color correct one yellow one.
Anyhow, I played around a bit more with the lines, trying some Poster Edge, levels and things like that.
Once I got the Pen/Ink line drawing the way I wanted, I Inverted (to get black lines on white background).
Gong to the second duplicate image, used the Dry Brush filter, (and then touched up some areas with paintbrush/smudge, and then used the Blur/Smart Blur there as well, only using Normal vs Edges Only. The settings there varied per picture.
Once I got that where I wanted, I copied the Pen&Ink pic into the Watercolored image. Set Soft Light on Pen&Ink layer.
Back on the Watercolor layer, added a Hue/Saturation, Levels and Color Balance adjustment layer, again, these are according to taste/feel.
Here is the link to the actual tutorial:
www.luminous-landscape.com/tutorials/new_page_9.shtml
The Rosewood frames were done by the following actions:
Written by Bud Guinn from a tutorial by Dave Jasek and incorporating the Rosewood action from Photoshop.
I can't find the link to the Action, but got it on the DPReview Forum and I think it is here at RetouchPro as well. Great Frame actions by the way.
This technique sure helped what were so-so pics from my huge so-so box!!
Thanks for the support and forum to be able to both learn and show.