A young Japanese woman with fair skin and long, flowing black hair that is partially submerged in water, giving her hair a wet and slightly disheveled look. Her large, expressive blue eyes are wide open, conveying a sense of surprise or wonder. She has delicate facial features with rosy cheeks and full lips, slightly parted as if she's about to speak or gasp. She is surrounded by a multitude of colorful koi fish, primarily red, orange, and white, which swim around her head and shoulders. The fish are depicted with intricate detailing, showcasing their scales and flowing fins. Bubbles of various sizes are scattered throughout the scene, adding to the underwater effect. The background is a deep blue, representing water, and the light reflections and shadows give it a sense of depth and realism. The woman's attire is minimal, with a white, semi-transparent top that clings to her body, enhancing the underwater theme. The overall composition is dynamic and lively, with a strong focus on the interplay between the human figure and the aquatic elements.