Okay, so this one's not exactly a "right time, right place" kind of deal. It's a little bit more posed than that. But still, it does need a certain kind of skill (and plenty of patience) to be able to set up a shot like this. Not to mention it's gotta line up with that fickle surf at the beach. Do you know hard that is to do?
The result is nothing short of stunning, of course. If you squint really hard, it looks like it's just her head emerging from the waves. It also raises an interesting question, which you may have overlooked. Are the clothes she's wearing blue and gold, or are they white and black? Just kidding. We're not starting that madness all over again.