It was a rainy morning, and the sun was just beginning to appear from behind the clouds. I happened to be next to a lake when this happened and I caught this in the reflection. You can see the circle of the sun in the slight break in the cloud cover. I caught it just in time, because 5 minutes later most of the clouds were gone and it was nothing but bright sunshine for the rest of the day.
F/5.6, 55mm, 1/800 s. Shot using my 18-55mm lens on Manual