Step 16

I used a Curves adjustment layer with Clipping Mask to darken a cloud a little:

On this Curves layer mask use a soft brush to erase the top to keep it a bit darker than the bottom:

Step 17

Group all the cloud layers and their reflection ones. Change the mode of this group to Normal 100%. Add a Selective Color adjustment layer to add some yellow to the white clouds:

On its layer mask, use a soft brush to reduce the yellow effect on the cloud at the left edge:

Step 18

I used a Curves adjustment layer to darken and change the color of the clouds:

Apply brush masking to refine the light on them. You can see the result on the mask and on the picture:

Step 19

Open the paper boat stock and extract it from the background.

Make a new layer and active the Clone Tool (S). Use this tool to remove the splash on the boat:

Step 20

Hide the background layer. Hit Cmd/Ctrl+Option/Alt+Shift+E to merge the extracted boat and the clone layers. To reform this boat, use the Lasso Tool to choose the bottom of the boat, right click it, choose Layer via Cut:

Use the Free Transform Tool (Cmd/Ctrl+T) to scale this bottom down to fit the top of the boat:

Merge all transparent layers.

Step 21

Place the merged boat at the cloud on the right edge. I set this layer under the clouds group:

Make reflection for this boat as done with another elements:

Step 22

Group the boat and its reflection layers. I used a Hue/Saturation adjustment layer to reduce the saturation of the boat:

Step 23

Add some vibrant color to the boat with Color Balance:

Step 24

I used a Curves adjustment layer to brighten the top of the boat:

On this Curves layer mask erase the bottom with a soft black brush as it should be darker than the top.

Step 25

Open the model stock. Use your own method to extract her from the background.

Make a new layer and use the Clone Tool to remove the tattoo and branches on her legs:

Step 26

Make a new layer. Active the Brush Tool with the basic ones and color #989079. Press F5 to change the settings of this brush:

Use this brush to paint flying hair strands for the model.

Make another layer and pick the lighter color (#deddc8) for this brush. Paint more hair for her:

Merge the model, clone and hair ones.