Ok answer time...

No, everything is in layers. I'm a freak when it comes to organizing my layers... So I have alot of leway in what I can do to change what I have already done.

And for the program I'm using, Fireworks.

and as far as the water is concerned... Theres a bottom layer base with a solid color and a half opacity texture on top. On top of that, is a highlight section, with a couple of effects thrown in.

What I want out of the water is a nice ripple effect that shows the water is running downstream. If I removed the top layer and took away the texture i'd be left with a solid light blue color, so thats a good starting point to go after then I'd assume.

Do those answers help your ability to help me? O_o