A playful image rendered out of DAZ Studio with a little Photoshop post work. It was fairly close to final in DS with bubbles and grass, etc. The subject is a woman surprised while bathing in a wash tub.  I could not tell by the description of the thumbnail specifications if you needed full image, or if a cropped thumbnail was acceptable. The aspect ratios were different and the reference article addressed both. Should you require a full-image thumbnail, please let me know. Additionally, the rules state no nudity — Yes one bathes in the buff. The nudity is merely hinted and the model is more covered than if she were in beachwear.