An enchanting underwater fantasy scene of a beautiful mermaid with long flowing hair suspended in crystal-clear turquoise water, wearing an iridescent scale-covered tail, reaching toward a large glowing magical crystal or gem that illuminates the scene with ethereal light, rays of sunlight penetrating from the surface above creating god rays, tropical fish and coral formations surrounding her, rendered in fantasy illustration style with influences from Art Nouveau, soft volumetric underwater lighting with subsurface scattering on skin, shot with underwater wide-angle lens, vibrant teal and turquoise color palette.