A hyper-realistic photograph captures a girl immersed underwater, surrounded by a swirling school of radiant golden fish. Closeup reveals her serene expression, as dreamy reflections dance across the scene, enhanced by a gentle bokeh effect. The lighting casts a warm glow on her face, reminiscent of golden hour's magical embrace. It's breathtakingly beautiful, evoking a sense of wonder and tranquility. The dynamic, whimsical mood adds an ethereal touch, as soft, rippling water enhances the enchanting atmosphere, creating a captivating underwater dreamscape in stunning 8k resolution.