pic that i own. select and place at the river in the middle of the ripple
step 3 of 7
after placing the man, desaturate hime and apply a plastic wrap on him. use a soft eraser to blend his lower part to the ripple.
step 4 of 7
load the selection of the man into a new layer fill it w/ any color and put a very light green gradient over it. reduce opacity
step 5 of 7
again load the selection of the man on a new layer and copy the lake background on it, after that, put it on the top of the man layer and reduce opacity.
step 6 of 7
place different bubble on his body reducing the opacity and adjusting the hue/saturation to blend.