This was experiment with water textures. I used a bunch of layers and played around with opacity levels as well as layer masks. 

As is usual when doing my Daily Sketches, I didn't really know what I was going to draw when I opened up my blank canvas. I started with some watercolor and semi-transparent textures first, with blues and greens and violets, adjusting transparency. At first I was going to do an underwater scene but then changed my mind. I sketched the girl on a separate layer, then created the color of her skin, hair etc. beneath that layer.