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Nice Transparent Bubbles Creation
Under Photo Effect, Photoshop Tutorial
This tutorial will give you an idea to create a transparent bubble. You can apply the idea to make your rain drops. You can transform your image inside a bubble and add some reflection effects for it.
After a simple edition, a normal image can be turned into a fantastic scenery. You can prepare an image as a start, and then cut it out and apply the lighting plus coloring effect after, to form this nice result.