Quote - thaz the one :)

here's an underwater dynamic  http://www.youtube.com/watch?v=KmmhpXuqWyI

For a static shot, I would just use the Conforming Hair included in P5 and use lighting / water effects to adjust the image and not the hair. :)  Anything else, though, it would need to be strands.  No idea what to suggest for that.

I have seen some "underwater" renders and some "behind-the-fishtank" ones in the Gallery here - maybe ask the artists if you come across something?

Found this in the Marketplace when I searched sea stuff:

http://www.renderosity.com/mod/bcs/underwater-world/94033

Nice looking backgrounds.

Just found this:  Check the 2nd example v the main shot to see what you can do for a dramatic difference.

http://www.renderosity.com/mod/bcs/parramatta-hair-v4-a4-g4/87793