Iridescent Water Phone Wallpaper

Create an abstract vertical phone wallpaper showing a close-up surface of clear tropical water with shimmering caustic light patterns, soft ripples, and iridescent pastel color refractions. The image should fill a tall [aspect ratio] canvas with no horizon, no objects, no people, and no text. Use a luminous aqua and cyan base with areas of [accent colors], like sunlight refracting through shallow pool water or holographic glass. Include exactly three noticeable circular ripple whirlpools: one near the upper-left edge, one larger spiral in the lower-left quadrant, and one small partial spiral near the bottom center edge. Add long diagonal wave streaks flowing from upper right to lower left, bright white highlights, pearly glow, subtle rainbow dispersion, and a dreamy high-key exposure. The overall style is photorealistic but ethereal, glossy, clean, and suitable as a calming smartphone wallpaper.