I like to think that my naked vicky actualy uses her sword ;) as for the water and stone materials I started with stock materials and modified them the water was done with the mirror ball material with added transparency and a slight change to the imput texture. I also tried adding a refraction node but didn't have it quite right, that still needs some work. the rock texture was also modified from a stock texture though I made so many experimental adjustments Im not quite sure what they were (I'm not at my home computer so I cant look at it directly right now but I believe I started with the Ice rock.)