ultra-realistic image of a beautiful woman with wet hair in a tropical setting, partially submerged in clear, turquoise water. Her face is up close, with droplets of water on her skin, reflecting the sunlight. The background features soft-focus palm trees and bright, natural lighting. The mood is serene and captivating, emphasizing her expressive eyes and the fine details of her skin and hair. The image should have a cinematic quality, with warm tones and a summer vibe, capturing the essence of relaxation in an exotic beach environment