Okay, so this is Xoco, a female PantherGryph, and actually the character I am using for a 2D short animation for a little Demo Reel, this is one of the initial Animation Cells, (plan to have this in a portfolio printed on foil as well) not sure when I will be able to finish a decent Animation of her. Just really liked this one frame, and thought I share ;)
and yes, as mentioned... this reflection here is just an effect.. not a "realistic" one ;)

Illustrator based on rough sketches.

ADD-ON: this is actually the image I am going to use for the reflection-effect tutorial I am working on ;), it will also show how to draw a reflection completely new to fit the current perspective of the object being reflected..