Chubby mermaid, underwater, coral reef, schools of fish swimming by, shiny scales, bright blue tail, curly brown hair, rosy cheeks, freckles on nose, sparkly seashell bra, glittery eye shadow, glossy lips, playful expression, sitting on a rock, one leg bent, other leg straight, hands holding a seashell, warm sunny lighting, soft focus background, vibrant colors, whimsical atmosphere, fantasy composition.