@Cash Curtis II - Thanks. The terrain texture has a water line on it so it shows through the ghosted water. It is a bit cheaty but it works. It is a particle effect and thanks for the suggestion but I'd like to keep it that way as it is more flexible. I use the same particle engine and scripting for everything from smoke to water fountains to fire to rain.
@zzz - Yes it is. Thanks. The character doesn't look as good because I can't texture so it is just a model with vertex colors. Besides, Anime Blood is making a new character model. Any suggestions for the grass though?