Finely detailed, quality, dramatic scene with Rembrandt lighting, featuring a 21-year-old American white girl with blonde hair, medium build, in an abstract and surrealist painting style. Incorporate elements of conceptual drawing and graphic design in a collage-like composition. Emphasize a blend of realism with cartoonish features, using ray tracing techniques to enhance texture and depth. The image should maintain an artistic exploration of proportions, integrating subtle, tasteful nudity with a focus on fine art aesthetics.