Snell's Law of Refraction:
nwsinθw = nasinθa
Total internal reflection occurs when θa = 90°, so sinθa = 1.
nwsinθw = nasinθa
nwsinθw = na·1
sinθw = na/nw
θw = sin-1(na/nw) = sin-1(1/1.33)
Use your calculator to compute θw. If you draw a diagram, you'll see that:
tan(θw) = d/10
Where 10 = the depth of the lake and d = your horizontal distance from the rock. Solve for d (in meters).