Cool water effect. But how do you make it?

Ok, can anybody tell me how to do this water effect? To me it looks soooo coool. Copy and paste the link to a new browser in order to see it.
http://nateprime2001.tripod.com/watereffecttest.jpg



You can also see it has been used on this sites background but the above link is way better.

http://www.nintendo.co.jp/ngc/gwrj/index.html

Looks like the ripple filter added to some rendered clouds to me.

Yeah, the bottom webpage background definitely looks like clouds filter with the ripple filter on them.


The other graphic looks like the clouds filter that have been level adjusted and embossed to create a slightly more realistic effect.

Here's a toturial on how to do a water ripple texture:



http://www.guistuff.com/article.shtml?photoshop_seamwater