Wonderful photo, Cap't! Taking photos like that involve some bit of luck, I'm sure. But it is an art form that takes a great deal of knowledge, skill and raw talent.
Walt, hope everything goes well. Sorry to hear about your insurance company and their "we know what's best for you" attitude. Charlie is right...morphine is your best buddy. If what they give you ain't working, raise holy hell. The Doctor can, on occasion, insist that is the only medication that will work for you.
Sure Ed. I'm sure a lot of folks don't know what that means.
Every aircraft certified for instrument approaches, and every crew, has a minimum altitude (called "Decision Height") that they are allowed to descend to on an approach . At decision height, one of two things must happen: you must see the runway environment and be in a safe position to land, or you must go around. On a typical approach using an ILS (instrument landing system), decision height would be 200 feet above the touchdown zone. Assuming you break out below the weather right at minimums, with an 800 foot per minute descent rate, you've got about 15 seconds to make any final adjustments and land.
Usually, you break out well above minimums, with quite a bit of time and altitude to work with, but every once in a while it goes right down to the wire, which is about what this picture depicts. And of course, every once in a while you get to minimums and don't see anything, which means you go around and try again (or divert to someplace with better weather).
(All of this assumes a manual, hand-flown landing. With an autoland system, you can go much lower).