Used the waterfall and the branches. Added the girl. Separated her legs from her body. Left her legs at regular, set her body to "grain merge". (This layer option is not available in Photoshop.. I used the GIMP to make this). Added the water splash and drops. They were on a black background, so I did a "Color to Alpha" on the black, making it transparent. (Again, I don't think Photoshop has this option... if it does, please let me know how to do it.) Then, I slightly colorized the splash and drops to match the water. After that, I added a texture layer over it all and set it to "overlay".