First go with the latest ManuelbastioniLAB

Facial expression needs a bit of work, for sure.

Could use some splashes and more bubbles. Caustics would be nice too.

Maybe it’s not finished?

this is so difficult to let it look realistic. first of all: wet hair. i am not sure how to achive it, but i would try to let it clump with a concav structure to let it look like glued together.
the whole body is too far out of the water, head is in the wrong position and if you lift an arm out of the water it costs power and let your body sink lower. the arm that is out of the water has to be near the water. you need waterslash at her feet.

the garden, the furniture and the pool look really great.