Cool!! So many times one sees renders where a model is just stuck in the water with the water just a flat sheet of water. And your image shows wonderfully that it needn't be that way. Very impressive!

And here's what you guys have helped me create! My earlier image showed the possibility, but (sigh) I stayed up, tweaked various noise parameters, and came up with this, and I'm extremely pleased with it. 

Thank you both!!!