Anthony Warwood sent in this entry for the Stamping Madly Cardmaking Contest all the way from the UK. He used what he calls the "hair gel" technique and By the Tide stamp set to create the sense of looking through water.
He sent directions complete with photos, which you can download using this button:
Be sure to leave a comment for Anthony. Although I'll choose my favorite for the $50 prize, I'll take all your comments into account when I'm making the decision.
Thanks to Anthony Warwood for his Cardmaking Contest Entry with illustrated directions!