This tutorial was written by me, Zuzzanna on Mai 1 - 2011
any resemblance to any other tutorial is completely coincidental.

I'm using a tube from Elias Chatzoudis you can buy a license to use his tubes at PTE
do not use the same tubes without a license

My supplies here


Open a new raster layer 600 X 600
floodfill white
new layer floodfill a blue color
add the mask and merge group

now copyNpaste the house, nature and lifesaver as new layers
and place them to your liking
add a new layer and select around the lifesaver like this

and copyNpaste the picture into selection - select non
move it under the lifesaver layer
add your tube of choice and your name with the font provided
but change the font direction to vertical
place it on the house and effect cutout

select the layer with the water
copy open AS and paste it as new animation
Effect insert image effect - underwater
and draw out two small waves with these settings

apply and delete the first one there's no effect on it
leave it and back in psp
merge all layers above the water layer visible
and all layers below incl. the water pic
copy each one and paste them as new animation in AS
this is what you should have

duplicate the two layers so you end up with 12 frames like the water animation
hit propagate paste button
drag the water animation on top of the background and place it
and repeat with the top 
open the crab animation and place it to your liking
I selected all and reversed the frames on it

save with default setting ☺

credit goes to Granny Art