I took the photo and the attraction was the black boat and red boat with snow and ice. I turn my photo to mono and then use posterize in an adobe to reduce my photo to 5 values. I make my dark, not neutral, but close. A combo of my dark colors, ultra blue, hooker green, crimson, burnt umber. I then use white to get my other values. White is not a value as my lightest is a tint and not pure. Black is not a value as my back is dark as black but not stark. I mix my 4 just one value above my dark and my middle 2 values above my dark, then my light 3 values above with my lightest being 4 values above. I used to use a value chart but now I just eyeball it. Then when I apply my color I try to stay inside my value blockin except places where I feel an embellishment would count. I try to use warm and cold to enhance the feeling of light. I find it helps be painterly as it removes the need for detail.