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Patty,
Why are you embarrassed? There's no need to be.
The ocean near the shore is rising up into waves. Every time a wave begins to form, you will see the "underbelly" of the water, i.e. the color of the sand bottom. The deeper the layer of water over the sand bottom, the more the sand color will be dominated by the water color.
Farther out, the water is deeper and reflects the sky. Though the sky is blue, there is a cloud bank. The water is a deeper blue than the sky. But because there is a haze of cloud, the blue of the water is tinged with shadow. To nail the color, try mixing just a tiny bit of cad orange into the blue and lightening the value with white.
The same mixture of ult. blue + cad orange (only a tiny bit of color needed--balance to make a cool grey and mix with a lot of white) can be used to make the underside of the cloud. There is this direct relationship between the cloud in shadow and the water in shadow. The front top edge of cloud that is catching the sunlight from behind should be white plus the color of the light (a clear yellow rather than yellow ochre which is an earth tone).
Hope this helps a bit. There are other ways to do it, but this is how I would approach it.
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