I used the toilet paper, white glue/water mix and Mod Podge gloss and I'm very happy with how it turned out. There is a Youtube by Marklin of Sweden on how to do it but a briefly you wet sheets of TP in a 50/50 mix of white glue and water, put it on the layout then use a small paint brush to stiple the paper for waves then let it dry. Then paint it, doesn't have to be blue if it's a river, and when dry add layers of Mod Podge Gloss letting each layer dry. I did the whole process in less than a week, it looks good and is cheap. Check out the video.