Create an intricate jigsaw puzzle design that features a whimsical underwater scene, complete with vibrant coral reefs, a variety of colorful fish swimming playfully, and a sunken pirate ship adorned with treasure chests and gold coins. The background should portray a soft, illuminated blue water ambiance, casting gentle rays of light through the surface, while small bubbles rise to the top, adding a dynamic touch to the serene marine environment.

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Create an intricate jigsaw puzzle design that features a whimsical underwater scene, complete with vibrant coral reefs, a variety of colorful fish swimming playfully, and a sunken pirate ship adorned with treasure chests and gold coins. The background should portray a soft, illuminated blue water ambiance, casting gentle rays of light through the surface, while small bubbles rise to the top, adding a dynamic touch to the serene marine environment.