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And here's the little girly I spent hours on deciding.
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If that works with Koi, she'll be a Betta! Name: Bettal. Also will that backstory you were thinking of work with her having a lust for shiny things and treasure? And that wonderfully weird face?
Anyway, about the ref. Anything colored in black is the membrane of the fin/mane/spike thingy. And Elegance is only for Royals.