CompuServe Messages

my feeling is to use ripple.pxp which comes with 3ds for the water surface. For the lighting create a projector spotlight which uses an animated ripple .flc bitmap to create those interesting light pertubation effects that happen underwater. For this, I imagine you could use a rippling object shot from above with an opaque white material and harsh, glancing lighting. You'd get a nice cycling ripple gobo .flc for your spotlight(s).