This image began as an assignment to use masking to combine two images in photoshop. I used stock photos, layers, effects, and blending modes to bring the images together. Later I added a background and the ripples and painted in the silhouettes in the foreground with the character on the left to give a sense of scale and a concept art vibe.
The images below are as follows from left to right: initial concept, the final assignment, an iteration of the larger concept.