Credits:
Mermaids No 1 by Anna Aspnes https://www.oscraps.com/shop/Mermaids-No.-1.html
MiniDots No 2 by Anna Aspnes https://www.oscraps.com/shop/MiniDots-No.-2.html
ArtPlay Palette Surfs Up by Anna Aspnes https://www.oscraps.com/shop/ArtPlay-Palette-Surf-s-Up.html

Process: I started with an artsy paper from ArtPlay Palette Surfs Up. I added a solid paper from the same APP and set the blending mode to Difference. I placed the brushes from Mermaids No 1 and added a Color Overlay to each of them. Then I duplicated the layer four times and all these layers were set to blending mode Overlay with a various of opacity. I then placed a sanddollar from the APP Surfs Up below the mermaids, set to blending mode Overlay to lighten up up their faces a bit.
Then I placed three goldpaints from the APP Surfs Up and also these ones were set to blending mode Overlay. I added dots from MiniDots No 2, some brushes and the wordart from the APP Surfs Up and recolored these into colors already found in the foundation.