The Lake Applet I got the idea for this applet after seeing one at Wes Cravens Official Webpage. Definitely worth a visit.
Lake takes any gif or jpg and puts it behind a virtual lake.
Like Ripple the program has been deliberately kept very small and creates the frames of the animation on the browser machine, transferring only the original image across the Net. This ensures the animation starts reasonably quickly on the page. Please feel free to to use this applet. Newer versions that understand long extensions should have no problems. The image to the right is the one used in the animation.