Didn't quite land as aggressively as I wanted, but its still ok. Might land a bit "scale-y" like mermaids, could also be used a a scale enhancer - Neg (coins, money)

silver dress, or

gold dress

coin-print dress, long dress, form-fitting, cleavage, see-through dress, collarbone, sleeveless

Play around with the textures, should work for a lot of things.