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Step 8 (Adding water ripples)
Create a new layer (Ctrl+Shift+N) below the fisherman folder. Fill (Shift+F5) this new layer with any color we want. With this new layer selected, go to layer > smart objects > convert to smart object. Make sure to set the foreground color to #2973fb and the background to #a0dffc. With the new smart object selected, go to filter > render > cloud to give this layer cloud filter.
Next, go to filter > other > minimum:
Give more filter: filter > blur > radial blur
Another filter: filter > distort > zig-zag
Finally, activate free transform tool. Scale its size a bit and transform its perspective:
Here is the result I created:
Hide the unneeded part of the ripples by masking them.
Step 9 (Color adjustments to the water ripples)
To match the color of the water ripples with the surrounding we should give color adjustment to this layer. We will give it two adjustment layers with clipping masks each: hue/saturation and brightness/contrast. Set the values of the both adjustment layers as shown below:
Set the hue/saturation layer to normal blending at 80% opacity meanwhile the brightness/contrast layer is set to normal at 100% opacity. Select all the water ripples layer and hit Ctrl+G to group them in a folder. I named this folder water ripples.
Step 10 (more color adjustments)
From this step on to the next three steps ahead, we will do color adjustments to the scene. We will do this by painting some solid color to the scene. Firstly, create a new layer above the BG folder (step 5-6) on which we will paint the first color. We use color of #0c84cf. Take a very soft round brush (0% hardness) set to low opacity of about 10-15%. On this new layer, paint the color to some area on the left and right side of the scene. Here is the result I created for this color layer set in normal blending mode at 100% opacity.
We can reduce the opacity of this layer if we stroke the color too much to meet the desired color we want. For this layer, I needed to reduce the opacity to just 25%. This is the part of this tutorial which is really experimental meaning that we should do the so called trial and error effort to play with colors, blending option and opacity to get the result we want.
Step 11 (more color adjustment)
Create again a new layer above the previous color. Take a very soft round brush to paint more color on this new layer. This time we use color of #5b6776. With the soft round brush set to opacity of about 10-14% paint the color as the one below to certain parts of the scene:
Here is the result so far
Step 12 (And more color)
Create another new layer above the two previous layers. On this new layer, paint soft white color to areas around the scene. Here is the white color of this layer I created which is set to normal at 100% opacity.
Here is the result when I set this layer to overlay blending at 30% opacity.
Step 13 (The last color adjustment)
Create the last new layer on which we will paint more color to the scene. We use color of #1afcfc. Here is the one I created in normal blending at 100% opacity.