View reference image

What is in the image:

WDTagged Character:

WDTagged Tags: 1girl, towel, naked towel, fruit, food, solo, onsen, towel on head, partially submerged, looking at viewer, open mouth, black hair, smile, water, outdoors, blue eyes, snow, hair bun, blush, bare shoulders, white towel, single hair bun, :d, bathing, collarbone, rock, steam