The next several images are all a "formula". They are the same technique, first determine a good background exposure as you tilt your camera upward. Then move along the reef finding interesting things you can get close to that will fill the frame- so they need to be a foot across or so ideally. Clams, Stonefish, Anemones, -anything you can get close to that is perched up high so you can get the same upward camera angle can then be applied into a classic CFWA image. If you have a model that will swim into the frame you can use this for perspective. I like my divers high in the frame and far away- 30 feet or so. A good one will move up or down to where you point as you compose the frame.
From Ikelite Photo school