Apologies in advance to all those in the Northern Hemisphere who are FREEZING! Can't get away from the heat here in Oz.
I painted the background (beach huts Googled). The girl is an unclothed image from Maya at Scrapbookgraphics - dressed up and dressed down. I painted on the two swimsuits and used my background to take the two "photos". The waves in the photos are by Ruth Davis at E-Scape and Scrap.