Thanks for the nice response. I basically merged 2 full images (surfer 1&5) and cut out the rest and pasted them in, then did a ton of work blending them in with layer masks.
2alpha: yes thanks for pointing out the background is not uniform, I have fixed it and it looks much better now. I hope to post the improved image to my blog this week, then I can link it here..
2alpha & mikeassk: yes she is departing the board in the last shot and my next shot has her falling into the water but not very dramatically (little splash) so I kept it out. I don't feel that it really detracts since we were having fun not competing or anything, and the last image has quite a dramatic tail of spray that I would lose if it were not included. I could photoshop her foot back on the board but I am not really compelled to do that....