Griffiths' Internet Classic...
The Lake Applet - click for download page
David Griffiths' Lake Applet has become a
true Internet Classic -- probably the single most used applet of all. He's also
version 4 and later browsers, as well as the new rocking and underwater effects.
David's applet is free. The kit he
provides is superb -- this demo is taken directly from it -- so do take time to read it