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- Insert water splash image.
- Make it black & white. Image > Adjustments > Black & White.
- Apply Auto Contrast.
- Add layer Mask to this layer.
- Erase some areas using round soft brush.
- Duplicate water layer.
- Make it dark, just like in the previous example with glass heart.
- Apply Screen Blending Mode effect to created dark image.
- Duplicate all heart layers.
- Merge them.
- Apply Flip Vertical Transformation. Edit > Transform > Flip Vertical.
- Move this layer down.
- Apply Soft Light Blending Mode and Opacity 75%.
- Go to Filter > Distort > Wave.
- Apply the following adjustments.