mateo, that's called refraction. Try sticking a pencil in a glass of water and look at how the pencil looks broken at the surface point. The render is doubly confusing to look at because you're also seeing the reflection of her upper body at the same time and it gets hard to tell which part is her seen through the water and which part is her reflection. The one with the Dystopia city blocks was rendered in Poser 5 and they changed something in Poser 6 that stopped it looking right. I haven't managed to make a good replacement for it yet, but later on I'll post a screenshot of the nodes so you can get on the right track at least. It's an approach that really works best with a sky dome though.

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