A captivating oil painting of a naked mermaid lounging on a sunlit rock

A captivating oil painting of a naked mermaid lounging on a sunlit rock, her lower body transforming seamlessly into a shimmering fish tail adorned with iridescent scales. The vibrant underwater scenery surrounds her, with colorful coral reefs and schools of tropical fish darting in the background. Delicate sunlight filters through the water, casting dappled patterns on her luminescent skin. The scene is rich in detail, evoking the dreamy style of John William Waterhouse, blending realism with a touch of fantasy.