Realistic Portrait of Woman with Smartphone by Water

Create a high-quality, realistic portrait of a young, smiling woman with long, dark hair, elegantly posed outdoors. She is wearing a white, off-the-shoulder top and is joyfully looking down at a modern smartphone held in her hands, with one hand gently resting near her chin. The background should feature a picturesque, scenic view of a calm blue body of water, perhaps a sea or lake, framed by vibrant, lush blooming flowers such as pink and red bougainvillea or geraniums. The lighting should be soft and natural, emphasizing a bright, cheerful atmosphere and a pleasant, sunny day.