| You may get .psd* file of "Happy Valentine's day card." Photoshop tutorial by making a payment. Put the tutorial title in "Add special instructions to seller" line of PayPal and it will be sent to you shortly. | 
- Add layer mask to reflection layer.
- Fill it with linear black & white gradient, just like on the screen shot.
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- Insert water drop image.
- Apply Overlay Blending Mode to it.
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- Duplicate layer, make it dark and apply Screen Blending Mode to it.
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- Draw light spot.
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- Insert another water splash image.
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