Luminous Underwater Anime Mermaid Girl

A vivid vertical anime illustration of a [young mermaid-like girl] gazing upward in wonder, framed from the chest up in a three-quarter profile. She features luminous [aqua-white hair with cyan and pink streaks] styled in long flowing twin braids with loose strands floating in the water, adorned with a starfish hair clip near one temple. She has large, sparkling iridescent blue eyes with refracted rainbow highlights, soft pale skin, delicate eyelashes, and tiny air bubbles adhering to her cheeks and neck. Surrounding her are exactly 29 tropical fish: 18 blue-and-yellow striped fish swimming across the upper sunlit water, 5 small yellow-and-black fish near the reef, 3 round pastel rainbow fish, 2 tiny purple-blue fish, and 1 blue fish resting near her shoulder. The background features a vibrant coral reef with pink branching corals and deep blue-green marine flora. Lighting and atmosphere: Sunbeams piercing through the ocean surface from above, shimmering water caustic patterns dancing across her skin and hair, and numerous transparent bubbles drifting upward. Polished anime key-visual aesthetic, saturated turquoise and cobalt color palette, crisp line art, glossy specular highlights, and dreamy underwater refraction. No text, no watermark.