Subtle and eye-catching-anime illustration style - 1.1

1girl, solo, long hair, looking at viewer, blush, smile, bangs, skirt, shirt, black hair, hair between eyes, school uniform, green eyes, white shirt, short sleeves, pleated skirt, teeth, serafuku, black skirt, sailor collar, water, grin, blurry, wet, neckerchief, animal, wet clothes, red neckerchief, partially submerged, fish, underwater, multicolored eyes, reaching towards viewer, air bubble, swimming