My favorite color for clear water is something I call "Eggman", which is a bone color pattern. I use acrylic latex. Belly is pearl white. Shoot a stripe of standard yellow on the sides, then shoot back and sides with a scale pattern of light tan (my bottle says it's "Goosefeather"). The yellow showing through the tan gives the back a bone tone. I usually leave a very slight fade of yellow below the scale line as an accent.