By removing the color, I can more clearly see all the issues to address. The different colors of her and the water made them appear more contrasted than they are tonally, so now contrasting in tone can be a lot easier. The bikini could use some help too.

Been doing this for years now and can no longer imagine why anyone would work with color and tone in the same process. Personally, I just can't see how drastic these problems are with color "in the way."