Thank you Lynx, lovely offer. I hope your father is doing well with the antibiotics.
Your welcome Flagryl, Most my time now when I am on the computer, I am helping Alicat out or CTing for Phoenix Creative Designs or working on my kits and CUCU Packs, not leaving much time for anything else. My Dad is doing good, he gets his boot off this week.
I will do my best to come on here and see what is going on, and maybe sometime I might find some time to do some of your Challenges or tutorial.
Actually, I used Animation Shop. Effects, Insert Image Effect, Underwater, Click on Customize, Refractive Distortion. Here are some settings for slight movement. The image is beads but works w/flowers. You need to cut out the flowers or group of leaves in PSP and then c/p into AS. I find that using 12 frames gives a good movement. You can adject the timing to slow it down or speed it up. The Sunflowers in the tag below are 12 frames.
For this image I used more small arrows, just adjust for your liking. I used sunlight 1 and water depth 1 with about 4 small arrows.