A close-up half medium shot of a mesmerizing mermaid fantasy artwork by Artgerm, featuring a mermaid with flowing hair and a radiant tail, illuminated by black and gold hues. The scene is set underwater, with intricate details of bioluminescent sea creatures and vibrant coral reefs in the background. The mermaid's face and upper body are prominently displayed, her tail shimmering with black and gold accents, creating a dynamic and enchanting composition. The lighting is dramatic, with black and gold tones casting a luxurious and mystical atmosphere.