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Underwater scene featuring a kelpie, a mythic water horse, rendered in vibrant digital art. The kelpie glides through a coral reef valley as moonlit scales shimmer and its mane flows like silk in the current. Neon-blue and emerald-green bioluminescence trace along its body, casting rippling reflections on the seabed and ancient stones covered in kelp. Sunbeams penetrate the turquoise water, creating dramatic light rays, bubbles trailing behind the horse, schools of tiny fish weaving through the kelp, and distant reef silhouettes. A dreamlike, cinematic composition that blends hyper-detailed lighting with painterly digital brushwork, high color contrast, surreal underwater atmosphere.