Well the situation presented in this one should be pretty self-explanatory. The character used to have a yard, then it sank... now he has a boat.
This was done entirely in Painter 8, and I didn't keep track of the time it took, but I'd ballpark at least 12 hours, most of which was me staring at it and wondering how to proceed.
It's pretty big, for the full effect I'd recommend clicking the Download link to see the entire picture... Even the Fullview couldn't contain it.
Hope you enjoy it!