So I started with an idea at work
Now I start on shadows. To make a nice reflection I repeat any shadow work I do on the panda in the water. Then I started on painting in the fur.
I took a fan brush and cut the bristles so they were all uneven to make a more realistic fur look. This also works good for painting grass.
Added in the eyes and worked on the reflection. And to finish it I added in a layer of blue and white to the water to give it more detail. I used only 3 colors on this one, mars black, titanium white and cerulean blue hue. I wanted to work on getting as many different tones from just 3 colors as I could.