Okay this one has a lot of steps to it.

First I went back to an old wet image called Crossing Below and selected the Indians. Then I copied and pasted them onto the Mount Rainer image as a new layer. Then using the background eraser I erased around the Indians and placed them where I wanted them. Selected the water and used Effects/Distortion/Wave default...then Effects/Plugins/Greg's Factory Output Pool Shadow and defaults. Then I went back to another one of our Indian wets and selected the head of the Indian...but before selecting that I selected the area that I wanted the Indians head to be in and then copied and pasted it to the Mount Rainer image and lowered the opacity. Whew....that was a lot of work but I think well worth the effort.