Using the new Horizon & Speed parameters in Janim's new Ver 3.11
         
  This is a new concept and IMHO, is a great way to make the  ripples where you  want them.
No cutting up picture & then using formula to get top part of picture to ripple underneath it.

Here you will use complete picture and picture's actual measurements. Original size is applet
on the left, Width ~ 394 pixels x Height ~ 294 pixels. Original picture on right has been      
reduced in size to fit page. Ok, we look at original picture, and say, "Sure be nice if water   
under surfer was rippling." As you can see in applet on left, indeed, our wish came true with 
a bit of help from Roger Dillon and his Janim2.class version 2.11. Using some trial and        
lots of error I found that a horizon parameter of "210" put the ripple starting where I wanted
it. Smaller number raises the position of the ripple, "20" would start above the surfers head   
and anything larger than "210" would put it lower than what it is in applet. The speed of the 
ripples is a matter of personal preference, and I used "50" ~

 

Sample speeds can be seen ~ click here.
 

Here is the html used for this applet

          
      <APPLET code=Janim3.class archive="Janim.jar" WIDTH="394" HEIGHT="294" >       
<PARAM NAME=
"image" VALUE="surfer.jpg">  
 <PARAM NAME=
"horizon" VALUE="210">         
<PARAM NAME=
"wspeed" VALUE="50>           
    <PARAM NAME="wsize" VALUE="-20"></APPLET>


Look at source for commented parameters.
.Loo

.
You can use this method with tons of scenes that depict lakes, oceans, streams, and you are only limited by your imagination.