Photomanip by Lachlan Cromarty.
Original photograph by Wessel Woortman (Wess4u
PhotoShop - Altered the pose of the horse and rider slightly to increase drama, and brightened up the image so you can see him better. Removed some distracting background elements. Added some motion blur.
Snap Art 2 - Watercolor filter with fairly "large" brush, but used "focus areas" to clarify the rider and horse's heads and the rider's arm and lance.
Total time: 3-4 hours.
I would love to hear what you think. I'm open for criticism on this piece.