I have a delicate problem... I know the solution (MASK (jim carrey)), but I do not want to use it

there is a girl sitting on a tree over the creek

i want to aninamate that that girl just moves legs up and down in the stream and some frame by frame animation on water, i was thinking omg, why dont use the 3D option that moho has?

i was so hapy that I did not have to use masking... u see that girl has her legs under the water surface, but...

...but in export i see that the water is not over her legs, its like the whole 3D thing is not working, please, guys, have u any idea how to make this idea working?
PS: without masking please! xD thanks
