Thank you for the feedback. The intent of leaving the unbalanced image with more water at the bottom, was to draw your attention to the water and the circularly around the water and to the mountains. I will try it with less negative space at the bottom, but what I don't want to get to is an image that is a mirror image of itself at midpoint.
With regard to the border, some sort of border or matting is expected when entering competition. Element 6 says:
"6.) Presentation affects an image by giving it a finished look. The mats and borders used, either physical or digital, should support and enhance the image, not distract from it."
So, that is why most images have some sort of border with a fine line that enhances the image and draws your attention to the color in the image (in this case, I used the sky, because that is the majority of the image). Hope this helps, and thanks again for the feedback.