Underwater Anime Mermaid Portrait

Create a vivid vertical anime illustration of an underwater {argument name="character type" default="young mermaid-like girl"} gazing upward in wonder, shown from the chest up with her face in three-quarter profile. She has luminous {argument name="hair color" default="aqua-white hair with cyan and pink streaks"}, long flowing twin braids and loose strands drifting in the water, plus a starfish hair clip near one temple. Give her huge sparkling iridescent blue eyes with refracted rainbow highlights, soft pale skin, delicate eyelashes, and tiny air bubbles clinging to her cheeks and neck. Surround her with exactly 29 visible tropical fish: 18 blue-and-yellow striped fish swimming across the bright upper water, 5 small yellow-and-black fish near the coral, 3 round pastel rainbow fish, 2 tiny purple-blue fish, and 1 blue fish resting near her shoulder. Add many transparent bubbles of different sizes, shimmering caustic light patterns on her skin and hair, sun rays streaming from the water surface above, and a rich coral reef background with pink branching coral and dark blue-green sea plants. Use a highly polished anime key-visual style, saturated turquoise and cobalt palette, crisp line art, glossy highlights, dreamy magical atmosphere, strong underwater refraction, high detail, vertical portrait composition, no text, no watermark.