I have several plugins - most notably Particle World, would this be capable of the effect I want to pull off? Particle illusion doesn't work too well on my computer - in fact, barely works at all, and I wouldn't be sure how to assign a property to the particles to cause it to distort the background image (As I said, like viewing through water).

I'll reinstall particle illusion, I think I have the disc laying around here somewhere, and I'll try to get it working. Are there any tutorials for this program on the internet? I never set aside the time to become familiar with it.