Good ambient piece. Like how you did the water, although im not sure how you did it? if you painted it on by hand I like it, but it kinda looks like two layers rendered cloud that you stretched; in which case I like it less.
The hair looks really wet thats good. The ripples in the water dont really work well although the serve their goal. It would have been nice if the reflection had been blurred or morphed a bit rather than just straight on reflecting the girl.