This ended up being a very complicated image! I thought of the idea after seeing the Rain Ripples filter in Filter Forge and excitedly raced home from work and started on this. Here goes: Poser Pro 2012 Firefly render combined with a Reality 3 for Poser render of the same image. The color of the water is provided by an overlay of a photo I shot of some water and the rain ripples on the water are from the Filter Forge filter. The falling rain is rendered separately in Poser's Firefly renderer and other little effects were added in various ways. TONS of post work in Photoshop. I love the overall effect, but may still try to polish it some. The crocodile is "Crocodilia 2: Gharial and Crocodile" by: Alessandro_AM at DAZ. (And yes, I rendered this exact image in the Gharial too!)