Young woman portrait with blue eyes and gold jewelry

Create a highly detailed, realistic portrait of a young woman with striking blue eyes and long, wavy brown hair. She has a fair complexion with visible freckles across her cheeks and nose, and a natural, slightly parted lip expression. She is wearing large gold hoop earrings and layered gold necklaces with small pendants. Her attire is a delicate, semi-sheer, beige or champagne-colored top with subtle glitter or shimmer details. The background features a soft, out-of-focus aquatic or underwater scene with blue and teal tones, and tiny floating particles or bubbles to enhance the dreamy, ethereal atmosphere. The lighting is soft and natural, highlighting her facial features and giving a gentle glow to her skin.