Attached Link: http://market.renderosity.com/softgood.ez?ViewSoftgood=15125&ViewImage=3#Image

You can also use a light gel to give an effect of light through water effect. Look at the second and third page of quim2001's product...there is a watery effect there, to show you what I mean. (There may be other light sets that do the same thing; this is the one I happen to be familiar with--and one can do one's own). If you're not a purist, you can add the effect in postwork. dreamsosweet has a nice [tutorial](http://www.sweetdreamsdigital.com/WaterTut.html) for Paint Shop Pro, if anyone is interested.