Thank you for positive the feedback, everybody!

Let me cut the shader out of Anastasia's skin shader (quite an operation...) and rearrange it and name nodes with meaningful names. Then I'm gonna post it here for you guys to play with it and come up with improvements on foam-SSS and specularity, etc.

 

Here is a little teaser again on how the foam shader and also the skin's specularity fear the water. It's done with help of the p-node which can be adjusted to any convenient water surface height. All I changed between the three renderings was posing the figure. The foam shader adjusts automatically to remove foam and skin specularity under water.

Poser Pro 2014 GameDev, Lightwave 11.6.3, Blacksmith3D Pro 6, Bryce 7, Carrara Pro 8.5, Reality 4 & LuxRender, Python 2.7 & Wx-Python, UV-Mapper Pro, XFrog 3.5, Paintshop Pro X7, Apophysis 7x64

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Don't render faster than your artistic guardian angel can fly...