I quite like it, looks quite realistic, like an air bubble has just reahed the surface of the water. I agree that it seems unfinished though, needs something around the outside where it is just flat... a reflection maybe? I dunno...
Sam & Puma- I like that idea... I'll have to try that
Pheonix- I'll see if I can make that work with the reflection thing :)
Cain- I actually left it uncentered because it shows the swirl better and makes it have more depth. I'm glad you like it though :) Your advice has always been very helpful!
lemme guess, plastic wrap? i have a pic almost identical to this, we must have gone throught the exact process. try adding zig zag... or invert the layer