This was going to be spur of the moment and then ended up taking a bit longer. Anyway, Yuna, post-FFX. Thanks to Fuu and Fam for giving pointers. I actually tried something different and CGed the background first instead of the character.
Tablet-drawn.
Regarding the water, I made the base of it using a tutorial from here(uk.geocities.com/neon_magmus/water.htm), and then going over it again with the Deleter Airbrushes/Watercolors, and a few layers of add and multiply.
Also, aware her boots are a bit big, and that I draw crappy rocks. Rocks are something I'm quite sucky at, if it hasn't become obvious so far. XD
this is awesome! the only thing say is wrong with it is that i think yunas dress is a little longer, and it seems like she has big feet in your pic...lol, but it still rocks!!