They water monster is gobbling up Times Square in new york city!! (5 years and 3286 days ago)
The transition is well made, and your underwater area looks good, but at the moment the loch ness monster looks more like a cow's udders.
I suggest studying the fins of different animals and trying to replicate them a little more realistically with shading and depth.
I'd also remove the bubble overlay on the underwater part, the water would look better without it. Good luck.
The monster is cute...even though it is evil hehe. I would have done a softer beveling around the mouth, but other than that I don't know what else to say. Lotsa luck!
Howdie stranger!
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