A woman in a bikini and skirt is standing on a rock under water

1girl,mermaid,underwater,solo,jewelry,monster girl,long hair,blue hair,blue eyes,navel,bubble,head fins,air bubble,hair ornament,earrings,scales,open mouth,armlet,looking at viewer,necklace,coral,shell,fish,shell bikini,swimsuit,blush,cleavage,monsterification,kneeless mermaid,midriff,bikini,beads,bangs,bare shoulders,swimming,tail,floating hair,fins,water,shell hair ornament,pearl necklace,freediving,aqua eyes,eyebrows visible through hair,submerged,pearl (gemstone),seashell,bikini top,bandeau,flower,full body,holding breath,dragon girl,dragon tail,lamia,innertube,dragon horns,collarbone,outstretched arms,:o,fish tail,strapless,ocean,starfish,sunlight,feathers,clownfish,:d,smile,two side up,shell necklace,dancer,animal,shell earrings,hair flower,bird,parted lips,seaweed,hairclip,wrist cuffs,hand up,light rays,caustics,outstretched arm,starfish hair ornament,mermaid costume,detached sleeves,pearl bracelet,gills,dolphin,pearl hair ornament,star (symbol),webbed hands,jellyfish,

[(nsfw:1.5)::0.8],(worst quality:1.4),(low quality:1.4),monochrome,deformed,malformed,bad hands,bad fingers,duplicate,cloned,duplicate body parts,disfigured,extra limbs,fused fingers,extra fingers,twisted,distorted,malformed hands,mutated hands and fingers,conjoined,missing limbs,bad anatomy,bad proportions,signature,watermark,text,lowres,mutated,mutilated,artifacts,gross,ugly,stretch,panties,extra digits,logo,Multiple people,