Anime Girl on Heart Float

Create a dreamy anime-style summer illustration viewed from high above, showing a young woman relaxing on a translucent heart-shaped inflatable float in shallow tropical seawater. The scene should feel like a calm early-summer day: brilliant turquoise water, strong sun sparkles on the upper left, visible rippling caustics, and detailed coral reef formations beneath the clear surface. The girl has long light ash-blonde hair, soft brown eyes, fair skin, and a gentle peaceful smile; she wears a ruffled white one-piece swimsuit with lace-up details and a wide straw sunhat decorated with pink and white flowers. Her body is reclined diagonally on the float, head near the upper center, bare legs extended toward the lower left, one hand resting on the float edge and the other relaxed to the side. The float is pearly transparent pink with iridescent highlights and a frilled ruffle rim, shaped like a heart. Include exactly 15 visible fish around the reef: 6 small yellow-and-black striped tropical fish, 5 bright blue fish, 2 orange-and-white clownfish, 1 solid yellow tang-like fish, and 1 tiny dark fish. Add abundant coral clusters in green, gold, teal, and violet, especially along the right and bottom edges. Place small semi-transparent red overlay text reading overlay_text across the upper-right area of the float. Use luminous pastel coloring, delicate linework, soft anime rendering, high detail, romantic vacation mood, vertical 2:3 composition, no border, no extra characters, and no additional text.