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| There are several different aspects to making the effect. The most important is to create a matte/mask to seperate the parts in the water from outside the water. Unless you have a clever way of filming this (I can’t think of one) then this will probably be a manual rotoscoping job. If the finger movement is largely horizontal then this will be easy, if if it largely front-back then it will be more difficult, as you have to eyeball the z-position of the mask points (will make more sense when you go to do it). Even the springiness you describe will involve the matte that separates the footage in and out of the water, and so will have just as much to do with animating the mask as it would to do with any ripple effects. Once you have a matte, then you can easily play with different effects and blending modes to make the underwater parts look underwater. Personally, because I’m old school, I’d use the wave world plugin and then the caustics effect. But the first and most important part is to create your matte. Happy rotoscoping! -Chris
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