From the thumb I thought she was laying at the bottom of a pool :-) Of course I love the umbrella image as you know already, and the addition of the sunbather and water reflections are wonderful!
I hope you are not offended, but just for a moment she looked dead partly because she seems to be lying directly on the sand (no beach towel), & her face is buried in something, so I can't tell if she can breathe. The ripples of light seem to be roasting her body almost like flames. Or maybe I could use a nap. "D